Harnett County property record for 28 Cottswold Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,192 sqft · built 2005 |
| Lot Size | 0.18 acres (7,841 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (Nov 2017) |
| Tax Bill | $1,869 (2023) |
| Deeds & Mortgages | Apr 2024 Line of Credit Aug 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500044012 |
| Primary APN | 1500044012 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,192 sqft Heated Area |
| Gross Area | 2,623 sqft |
| 1st Floor Area | 1,199 sqft |
| Flooring | Plywood |
| Fireplaces | 2 Fireplaces |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Footing |
| Roof Material | Composition Shingle |
| Lot Area | 7,841 sqft (0.18 acres) |
| Garage Area | 480 sqft |
| Porch | Porch |
| Porch Area | 214 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1500044012 |
|---|---|
| Street Address | 28 COTTSWOLD LN |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-7053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA-20R |
| Legal Description | LOT#481 ANDERSON CREEK PH3B1 MAP#2005-23 |
| Legal Subdivision | ANDERSON CREEK CLUB |
| Legal Phase | 3 |
| Legal Lot Number | 481 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 71204 |
Source: Harnett County records · APN 1500044012
Assessment roll updated January 1, 2023 · Last verified September 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 01, 2024 | Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC |
| Aug 19, 2021 | Intrafamily Transfer, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Nov 01, 2017 | Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 01, 2017 · Amount on Record |
| Deed Sale | Nov 01, 2017 · Amount on Record |
| Prior Sale | Nov 01, 2017 · Amount on Record |
| Deed Document Number | 0000016509 |
| Deed Book / Page | 3555 / 0412 |
| Last Transfer Date | Aug 19, 2021 |
| Transfer Doc | 0000019418 |
| Record Updated | Jun 07, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 18, 2024 |
| Name | Verified Name |
|---|---|
| Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000005213 |
|---|---|
| Date | Apr 01, 2024 |
| Book Page | 4229/209 |
| Instrument | 2024005213 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | 6561 IRVINE CENTER DR, IRVINE, CA 92618 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 15, 2054 |
| Change Frequency | Monthly |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Aug 19, 2021 |
| Property Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000019418 |
| Book / Page | 4032 / 205 |
| Map Reference | MB 2005 PG 23 |
| Instrument Date | Aug 07, 2021 |
| Instrument | 2021019418 |
| Transaction Type | Transfer |
| Record Updated | Sep 01, 2021 |
| Title Company | SERVICELINK EAST ESCROW |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000019419 |
|---|---|
| Date | Aug 19, 2021 |
| Instrument | 2021019419 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Nov 01, 2017 |
| Property Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000016509 |
| Book / Page | 3555 / 0412 |
| Map Reference | MB 2005 PG 23 |
| Instrument Date | Oct 27, 2017 |
| Instrument | 2017016509 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $430.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 912 HARDIMONT RD, 912, RALEIGH, NC 27609-6757 |
| Name | Verified Name |
|---|---|
| Address | 28 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000016510 |
|---|---|
| Date | Nov 01, 2017 |
| Instrument | 2017016510 |
| Name | MOVEMENT MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2047 |
Source: Harnett County records · Assessment roll updated January 1, 2023 · Last verified September 2023
| Type | Name |
|---|---|
| State | North Carolina |
| County | Harnett County |
| Unified School District | Harnett County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $1,869.00 | $254,612 | $254,612 Land $44,550 Building $210,062 |
Source: FEMA National Flood Hazard Layer as of March 12, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record 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 |
|
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 158 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | HARNETT REGIONAL WATER serves 121,885 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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