Harnett County property record for 271 Stone Cross Dr, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,110 sqft · built 2002 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $185,500 (May 2020) |
| Tax Bill | $2,242 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage May 2020 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500036289 |
| Primary APN | 1500036289 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,110 sqft Heated Area |
| 1st Floor Area | 1,788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Combination |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 539 sqft |
| Porch | Porch |
| Porch Area | 78 sqft |
| Patio Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1500036289 |
|---|---|
| Street Address | 271 STONE CROSS DR |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-7238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20R |
| Legal Description | LOT#7 STONE CROSS PH I MAP#2000-129 |
| Legal Subdivision | STONE CROSS |
| Legal Phase | 1 |
| Legal Lot Number | 7 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 71204 |
271 Stone Cross Dr is owned and occupied by an individual who bought it in May 2020.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| 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.
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| May 8, 2020 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Mar 12, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Jun 28, 2018 | Warranty Deed, Transfer · ARM STATE EMPLOYEES CU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2020 · Amount on File |
| Deed Sale | May 8, 2020 · Amount on File |
| Prior Sale | Jun 28, 2018 · Amount on File |
| Deed Document Number | 20207133 |
| Deed Book / Page | 3810 / 708 |
| Prior Transfer Date | Mar 10, 2020 |
| Prior Transfer Doc | 0000003845 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Transaction Type | Mortgage |
| Record Updated | Oct 18, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000022959 |
|---|---|
| Date | Sep 30, 2021 |
| Book Page | 4052/842 |
| Instrument | 2021022959 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | May 8, 2020 |
| Property Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Document Number | 0000007133 |
| Book / Page | 003810 / 000708 |
| Instrument Date | May 1, 2020 |
| Instrument | 7133 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $371.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 271 STONE CROSS DR SPRING LAKE NC 283907238, SPRING LAKE, NC 28390-7238 |
| Document Number | 7134 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 003810/000711 |
| Instrument | 7134 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 7, 2050 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Mar 12, 2020 |
| Property Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Document Number | 0000003845 |
| Book / Page | 3791 / 295 |
| Map Reference | MB 2000 PG 129 |
| Instrument Date | Mar 10, 2020 |
| Instrument | 2020003845 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | VANTAGE POINT TITLE INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Document Number | 0000003846 |
|---|---|
| Date | Mar 12, 2020 |
| Instrument | 2020003846 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jun 28, 2018 |
| Property Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Document Number | 0000009298 |
| Book / Page | 3618 / 0576 |
| Map Reference | MB2000 PG129 |
| Instrument Date | Jun 25, 2018 |
| Instrument | 2018009298 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $300.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 376 FRANKLIN AVE, 376, ROCKAWAY, NJ 07866-4010 |
| Name | Verified Name |
|---|---|
| Address | 271 STONE CROSS DR, SPRING LAKE, NC 28390-7238 |
| Document Number | 0000009299 |
|---|---|
| Date | Jun 28, 2018 |
| Instrument | 2018009299 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.87% |
| Adjustable | Adjustable Rate Rider |
| Change Frequency | 5 Years |
| Min Rate At Change | 2% |
| Max Rate At Change | 6% |
| Index | 5-Year CMT |
| Max Rate | 6% |
The 2026 property tax bill for 271 Stone Cross Dr was $2,242, up 35.9% from the year before.
Source: Harnett County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Harnett County |
| Unified School District | Harnett County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,242.00 (+35.88%) | $291,547 (+30.58%) | $291,547 (+30.58%) Land $44,880 Building $246,667 |
| 2025 | $1,650.00 | $223,273 | $223,273 Land $46,240 Building $177,033 |
| 2023 | $1,650.00 | $223,273 | $223,273 Land $46,240 Building $177,033 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 271 Stone Cross Dr in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2013.
Source: FEMA National Flood Hazard Layer, effective March 12, 2025 · 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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 6 (2013–2018) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 risk around 271 Stone Cross Dr is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 51% of the US · above 72% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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