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232 Bernard St, Spring Lake, NC 28390 Property Records

Harnett County property record for 232 Bernard St, Spring Lake, NC 28390

Property Summary

Property TypeSingle Family Home
Details4 bd · 2 ba · 1,794 sqft · built 1979
Lot Size1 acres (43,560 sqft)
OwnerIndividual Name on Record
Last Sale$124,000 (Dec 2021)
Tax Bill$1,297 (2026)
Deeds & MortgagesDec 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1500046611

Property Details

APN / Parcel Number

Primary APN1500046611
Alternative APN
  • 010515 0156

Interior

Bedrooms4 Beds
Full Baths2 Baths
Half Baths1 Half Bath
Stories2 Stories
Building Area1,794 sqft Heated Area
1st Floor Area1,246 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1979
Exterior MaterialCombination
Foundation TypeFooting
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area43,560 sqft (1 acres)
Lot Dimensions200 ft deep x 100 ft wide
PorchPorch
Porch Area96 sqft
Patio Area90 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHeat Pump
Heating FuelElectric

Location & Zoning

Account Number1500046611
Street Address232 BERNARD ST
CitySPRING LAKE
StateNC
Zip28390-8783
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRA20R
Legal DescriptionLT#44 ANDERSON CREEK HMS SEC I M#15/11
Legal SubdivisionANDERSON CREEK HOMES
Legal Lot Number44
JurisdictionHARNETT NC
Township / Civil DivisionANDERSON CREEK
Census Block Group2
Census Block2023
Census Tract71204

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address232 BERNARD ST, SPRING LAKE, NC 28390-8783
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleDec 22, 2021 · Amount on Record
Deed SaleDec 22, 2021 · Amount on Record
Deed Document Number202130126
Deed Book / Page4093 / 588
Record UpdatedOct 29, 2026

December 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionHARNETT NC
Recording DateDec 22, 2021
Property Address232 BERNARD ST, SPRING LAKE, NC 28390-8783
Document Number0000030126
Book / Page4093 / 588
Map ReferenceMB 15 PG 11
Instrument DateOct 8, 2021
Instrument2021030126
Transaction TypeTransfer
Record UpdatedAug 23, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$248.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name
Address13071 HAWKINS BLVD, 13071, NASHVILLE, NC 27856-8129

Transferred To (Grantee/Buyer)

NameVerified Name
Address232 BEMARD ST, SPRING LAKE, NC 28390

Mortgage

Document Number0000030127
DateDec 22, 2021
Book Page4093/591
Instrument2021030127
Lender
NameCAPTIAL CENTER LLC
TypeMortgage Company
AddressGLEN ALLEN, VA 23060
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueJan 1, 2052

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateNorth Carolina
CountyHarnett County
Unified School DistrictHarnett County Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,297.00 (+56.83%)$163,868 (+54.67%)$163,868 (+54.67%) Land $29,230 Building $134,638
2025$827.00$105,948 (-)$105,948 (-) Land $19,960 Building $85,988
2023$827.00$105,948$105,948 Land $19,960 Building $85,988

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 21 policies
Nearby Flood Policies21 in force
Nearby Flood Claims6 (2013–2018)
Claims Outside the SFHA6 of 6
Most Recent ClaimSep 2018 · Hurricane Florence
Claims by Event
  • Hurricane Florence, Sep 2018 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire RiskModerate
above 59% of the US · above 81% of North Carolina
Wildfire Likelihood0.1% annual chance
ExposureDirect
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 SystemHARNETT REGIONAL WATER
serves 121,885 people · EPA ID NC0343045
Water SourceSurface water
Last State InspectionMar 2026
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 24 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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