228 Cypress Rd, Cameron, NC 28326 Property Records

Harnett County property record for 228 Cypress Rd, Cameron, NC 28326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,409 sqft · built 1990
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$160,000 (Jul 2022)
Tax Bill	$1,876 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Jul 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1500052325`

Property Details

APN / Parcel Number

Primary APN	`1500052325`
Alternative APNs	`099545 0303 08` `904919000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,409 sqft Heated Area
1st Floor Area	833 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Other
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Area	720 sqft
Porch	Porch
Porch Area	337 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500052325
Street Address	228 CYPRESS RD
City	CAMERON
State	NC
Zip	28326-7419
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20R
Legal Description	LOT#21 KNOTTY PINE S/D PC#2/312
Legal Subdivision	KNOTTY PINE
Legal Lot Number	21
Jurisdiction	HARNETT NC
Township / Civil Division	JOHNSONVILLE
Census Block Group	1
Census Block	1009
Census Tract	71402

Owner

Source: Harnett County records, as of October 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2022	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Jul 6, 2022	Warranty Deed, Transfer
May 28, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Apr 7, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Jan 4, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 6, 2022 · Amount on Record
Deed Sale	Jul 6, 2022 · Amount on Record
Prior Sale	Jul 1, 1996
Deed Document Number	2022104393
Deed Book / Page	4157 / 2322
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Oct 7, 2022
Property Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Document Number	0000111166
Book / Page	4169 / 2687
Map Reference	CAB 2 SL 312
Instrument Date	Oct 4, 2022
Instrument	2022111166
Transaction Type	Transfer
Record Updated	Oct 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	580 KENT ST, 580, FAYETTEVILLE, NC 28311-0891

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CYPRESS RD, CAMERON, NC 28326-7419

Mortgage

Document Number	0000111167
Date	Oct 7, 2022
Instrument	2022111167

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Type Change Date	Nov 1, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Jul 6, 2022
Property Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Document Number	0000104393
Book / Page	4157 / 2322
Map Reference	CAB 2 SL 312
Instrument Date	Jun 24, 2022
Instrument	2022104393
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Amount	Amount Recorded
Tax	$320.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	150 CYPRESS RD, 150, CAMERON, NC 28326-7415

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CYPRESS RD, CAMERON, NC 28326-7419

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Transaction Type	Mortgage
Record Updated	Jun 11, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000012161
Date	May 28, 2021
Book Page	3990/324
Instrument	2021012161

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Document Number	0000005714
Instrument Date	Apr 7, 2020
Transaction Type	Mortgage
Record Updated	Jun 9, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	228 CYPRESS RD CAMERON NC 283267419, CAMERON, NC 28326-7419

Mortgage

Document Number	0000005714
Date	Apr 14, 2020
Book Page	003801/000989
Instrument	5714

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 13, 2050

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	228 CYPRESS RD, CAMERON, NC 28326-7419
Document Number	0000000325
Book / Page	003571 / 000577
Instrument Date	Jan 4, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 CYPRESS RD CAMERON NC 283267419, CAMERON, NC 28326-7419

Mortgage

Document Number	0000000325
Date	Jan 9, 2018
Book Page	003571/000577
Instrument	325

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jan 8, 2038

Tax Assessment & Valuation

Source: Harnett County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Harnett County
Unified School District	Harnett County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,876.00 (+42.23%)	$247,154 (+37.29%)	$247,154 (+37.29%) Land $34,320 Building $212,834
2025	$1,319.00	$180,018 (-)	$180,018 (-) Land $15,070 Building $164,948
2023	$1,319.00	$180,018	$180,018 Land $15,070 Building $164,948

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 55% of the US · above 77% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARNETT REGIONAL WATER serves 121,885 people · EPA ID NC0343045
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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