240 Gardner Lake Dr, Willow Spring, NC 27592 Property Records

Johnston County property record for 240 Gardner Lake Dr, Willow Spring, NC 27592

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,997 sqft · built 2008
Lot Size	0.58 acres (25,265 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Apr 2009)
Tax Bill	$2,292 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Aug 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`13D03020W`

Property Details

APN / Parcel Number

Primary APN	`13D03020W`
Alternative APN	`2000146461`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,997 sqft Living Area
Gross Area	2,942 sqft
1st Floor Area	1,661 sqft
Attic	Attic
Attic Area	336 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	25,265 sqft (0.58 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	369 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000146461
Street Address	240 GARDNER LAKE DR
City	WILLOW SPRING
State	NC
Zip	27592-7434
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	11 GARDNER LAKE 71/95 1615
Legal Subdivision	GARDNER LAKE SUBDIVION
Jurisdiction	JOHNSTON NC
Township / Civil Division	PLEASANT GROVE
Census Block Group	2
Census Block	2001
Census Tract	41507

Owner

240 Gardner Lake Dr is owned and occupied by an individual who bought it in April 2009.

Source: Johnston County records, as of September 24, 2026

Owner of Record	Individual Name on File
Mailing Address	240 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7434
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage NFM INC
Nov 7, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2009 · Amount on File
Deed Sale	Apr 3, 2009 · Amount on File
Prior Sale	Jan 2, 2008 · Amount on File
Deed Document Number	2009248660
Deed Book / Page	3681 / 149
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Recording Date	Sep 9, 2026
Property Address	240 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7434
Document Number	0000029798
Book / Page	7186 / 631
Instrument Date	Aug 13, 2026
Instrument	202629798
Transaction Type	Mortgage
Record Updated	Sep 23, 2026
Title Company	LENDER RECORDING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	240 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7434

Mortgage

Document Number	0000029798,
Date	Sep 9, 2026
Book Page	7186/631
Instrument	202629798

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 25, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	240 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7434
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	LAND AND TITLE COMPANY, LAND AND TITLE LAW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000766884
Date	Aug 24, 2021
Book Page	6026/864
Instrument	2021766884

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Nov 7, 2019
Property Address	240 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7434
Document Number	0000634963
Book / Page	005463 / 000439
Instrument Date	Nov 7, 2019
Instrument	634963
Transaction Type	Transfer
Record Updated	Nov 18, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$354.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 AMBER LN WILLOW SPRING NC 275927765, WILLOW SPRING, NC 27592-7765

Tax Assessment & Valuation

The 2026 property tax bill for 240 Gardner Lake Dr was $2,292.

Source: Johnston County assessment roll, as of September 24, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,292.00	$366,870 Land $75,000 Building $291,870	$366,870 Land $75,000 Building $291,870
2023	$1,685.00	$214,700 Land $36,000 Building $178,700	$214,700 Land $36,000 Building $178,700

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

Flood

FEMA maps place 240 Gardner Lake Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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

Wildfire risk around 240 Gardner Lake Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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