Harnett County property record for 294 River Oak St, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,458 sqft · built 2013 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Apr 2025) |
| Tax Bill | $2,376 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage Apr 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500070847 |
| Primary APN | 1500070847 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 2,458 sqft Heated Area |
| 1st Floor Area | 1,553 sqft |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 420 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1500070847 |
|---|---|
| Street Address | 294 RIVER OAK ST |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-9625 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20M |
| Legal Description | LOT#74 OLDE FARM VILLAGE PH2 0.185AC MAP#2012-208 |
| Legal Subdivision | OLDE FARM VILLAGE |
| Legal Phase | 2 |
| Legal Lot Number | 74 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 71203 |
294 River Oak St is owned and occupied by an individual who bought it in April 2025.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Single |
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 |
|---|---|
| Jan 9, 2023 | Deed of Trust, Mortgage · FHA Mortgage CARRINGTON MORTGAGE SERVICES LLC |
| Apr 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage CENLAR FSB |
| Sep 24, 2020 | Warranty Deed, Transfer · FHA Mortgage CORNERSTONE HOME LENDING INC |
| Feb 12, 2020 | Deed of Trust, Mortgage · VA Mortgage GOODMORTGAGE.COM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 10, 2025 · Amount on File |
| Deed Sale | Apr 10, 2025 · Amount on File |
| Prior Sale | Sep 24, 2020 · Amount on File |
| Deed Document Number | 20256144 |
| Deed Book / Page | 4279 / 2150 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Transaction Type | Mortgage |
| Record Updated | Feb 24, 2023 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|---|
| Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000000352 |
|---|---|
| Date | Jan 9, 2023 |
| Book Page | 4179/182 |
| Instrument | 2023000352 |
| Name | CARRINGTON MORTGAGE SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | ANAHEIM, CA 92806 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Dec 1, 2062 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO |
| Name | Verified Name |
|---|---|
| Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000007997 |
|---|---|
| Date | Apr 14, 2022 |
| Book Page | 4140/916 |
| Instrument | 2022007997 |
| Name | CENLAR FSB |
|---|---|
| Type | Bank |
| Address | TRENTON, NJ 08618 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 342 Months |
| Due | Oct 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Sep 24, 2020 |
| Property Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000017182 |
| Book / Page | 3872 / 433 |
| Map Reference | MB 2012 PG 208&209 |
| Instrument Date | Sep 16, 2020 |
| Instrument | 2020017182 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $500.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 17 BUCKMAN DR, 17, CAMERON, NC 28326-6270 |
| Name | Verified Name |
|---|---|
| Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000017188 |
|---|---|
| Date | Sep 25, 2020 |
| Book Page | 3872/456 |
| Instrument | 2020017188 |
| Name | CORNERSTONE HOME LENDING INC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77027 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 294 RIVER OAK ST, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000002468 |
| Instrument Date | Feb 12, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Mar 10, 2020 |
| Title Company | SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING |
| Name | Verified Name |
|---|---|
| Address | 294 RIVER OAK ST SPRING LAKE NC 283909625, SPRING LAKE, NC 28390-9625 |
| Document Number | 0000002468 |
|---|---|
| Date | Feb 17, 2020 |
| Book Page | 003783/000585 |
| Instrument | 2468 |
| Name | GOODMORTGAGE.COM |
|---|---|
| Type | Mortgage Company |
| Address | PLANO, TX 75024 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 16, 2050 |
The 2026 property tax bill for 294 River Oak St was $2,376, up 18.6% 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 | $2,376.00 (+18.56%) | $309,683 (+13.1%) | $309,683 (+13.1%) Land $44,890 Building $264,793 |
| 2025 | $2,004.00 | $273,804 | $273,804 Land $38,480 Building $235,324 |
| 2023 | $1,688.00 Veteran's exemption | $273,804 | $273,804 Land $38,480 Building $235,324 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 294 River Oak St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1985.
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 |
| Nearby Flood Claims | 1 (1985) |
| Most Recent Claim | Mar 1985 · river or lake flooding |
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 294 River Oak St is moderate, ranking above 45% of the US, with a 0.07% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 45% of the US · above 66% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.07% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 54 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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