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

Johnston County property record for 291 Gardner Lake Dr, Willow Spring, NC 27592

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,910 sqft · built 2008
Lot Size	1.47 acres (64,033 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Mar 2017)
Tax Bill	$2,217 (2023)
Deeds & Mortgages	Feb 2026 Second Mortgage Dec 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`13D03021F`

Property Details

APN / Parcel Number

Primary APN	`13D03021F`
Alternative APN	`2000199453`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,910 sqft Living Area
1st Floor Area	1,506 sqft
2nd Floor Area	1,404 sqft
Flooring	Plywood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	64,033 sqft (1.47 acres)
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	510 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000199453
Street Address	291 GARDNER LAKE DR
City	WILLOW SPRING
State	NC
Zip	27592-7435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 16 GARDNER LAKE 71/95
Legal Subdivision	GARDNER LAKE
Legal Lot Number	16
Jurisdiction	JOHNSTON NC
Township / Civil Division	PLEASANT GROVE
Census Block Group	2
Census Block	2001
Census Tract	41507

Owner

Source: Johnston County records, as of October 11, 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 Record
Co-owner	Co-owner on Record
Mailing Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2026	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Dec 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Mar 21, 2017	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 21, 2017 · Amount on Record
Deed Sale	Mar 21, 2017 · Amount on Record
Prior Sale	Sep 30, 2011
Deed Document Number	0004927864
Deed Book / Page	4927 / 864
Record Updated	Jun 7, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435
Transaction Type	Mortgage
Record Updated	Feb 11, 2026
Title Company	UNKNOWN, ROCKET CLOSE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003151
Date	Feb 3, 2026
Book Page	DEED7044/40
Instrument	2026003151

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2056

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435
Transaction Type	Mortgage
Record Updated	Dec 29, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000787489
Date	Dec 17, 2021
Book Page	6139/558
Instrument	2021787489

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435
Transaction Type	Mortgage
Record Updated	May 4, 2021
Title Company	AMROCK INC, AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000743555
Date	Apr 13, 2021
Book Page	5899/868
Instrument	2021743555

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Mar 21, 2017
Property Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435
Document Number	0000523638
Map Reference	PB 71 PG 94-95
Instrument Date	Mar 20, 2017
Instrument	2017523638
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$550.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	98 CREECH PLACE DR, 98, BENSON, NC 27504-9435

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	291 GARDNER LAKE DR, WILLOW SPRING, NC 27592-7435

Mortgage

Document Number	0000523639
Date	Mar 21, 2017
Instrument	2017523639

Lender

Name	STATE EMPLOYEES CU

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	4.25%

Tax Assessment & Valuation

Source: Johnston County assessment roll, as of January 1, 2023

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
2023	$2,217.00	$282,450 Land $43,200 Building $239,250	$282,450 Land $43,200 Building $239,250

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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	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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