38 Lancaster Ct, Spring Lake, NC 28390 Property Records

Harnett County property record for 38 Lancaster Ct, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 3,394 sqft · built 2011
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2020)
Tax Bill	$2,934 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Oct 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1500038903`

Property Details

APN / Parcel Number

Primary APN	`1500038903`
Alternative APN	`01050402 0177 11`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Building Area	3,394 sqft Heated Area
1st Floor Area	1,801 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Aluminum/Vinyl
Roof Type	Hip
Lot Area	13,939 sqft (0.32 acres)
Garage Area	484 sqft
Porch	Porch
Porch Area	147 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1500038903
Street Address	38 LANCASTER CT
City	SPRING LAKE
State	NC
Zip	28390-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20M
Legal Description	LT#167 HIGHGROVE@AC PH 5
Legal Subdivision	HIGHGROVE@ANDERSON CREEK
Legal Phase	5
Legal Lot Number	167
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	2
Census Block	2000
Census Tract	71203

Owner

38 Lancaster Ct is owned and occupied by an individual who bought it in October 2020.

Source: Harnett County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
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
Jul 6, 2026	Deed of Trust, Mortgage · VA Mortgage IMPERIAL LENDING LLC
Oct 8, 2025	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Dec 12, 2022	Deed of Trust, Mortgage · VA Mortgage HOME POINT FINANCIAL CORPORATION
Oct 29, 2021	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Oct 26, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 26, 2020 · Amount on File
Deed Sale	Oct 26, 2020 · Amount on File
Prior Sale	Jul 28, 2011 · Amount on File
Deed Document Number	202019557
Deed Book / Page	3887 / 1
Prior Transfer Date	Oct 23, 2020
Prior Transfer Doc	0000019557
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Recording Date	Jul 6, 2026
Property Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
Document Number	0000013643
Book / Page	4351 / 2516
Instrument Date	Jun 29, 2026
Instrument	202613643
Transaction Type	Mortgage
Record Updated	Jul 20, 2026
Title Company	FIRST TITLE COMPANY, FIRST TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495

Mortgage

Document Number	0000013643,
Date	Jul 6, 2026
Book Page	4351/2516
Instrument	202613643

Lender

Name	IMPERIAL LENDING LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
Transaction Type	Mortgage
Record Updated	Oct 20, 2025
Title Company	MORTGAGE CONNECT LP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495

Mortgage

Document Number	0000019077
Date	Oct 8, 2025
Book Page	4307/1259
Instrument	2025019077

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
Transaction Type	Mortgage
Record Updated	Dec 30, 2022
Title Company	AMROCK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495

Mortgage

Document Number	0000114826
Date	Dec 12, 2022
Book Page	4176/936
Instrument	2022114826

Lender

Name	HOME POINT FINANCIAL CORPORATION
Type	Mortgage Company
Address	ANN ARBOR, MI 48105

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
Transaction Type	Mortgage
Record Updated	Aug 23, 2022
Title Company	MORTGAGE CONNECT LP, MORTGAGE CONNECT LP VENDOR I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025623
Date	Oct 29, 2021
Book Page	4068/220
Instrument	2021025623

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARNETT NC
Recording Date	Oct 26, 2020
Property Address	38 LANCASTER CT, SPRING LAKE, NC 28390-9495
Document Number	0000019557
Book / Page	003887 / 000001
Instrument Date	Oct 23, 2020
Instrument	19557
Transaction Type	Transfer
Record Updated	Nov 13, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$500.00
Amount Accuracy	Confirmed
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 LANCASTER CT SPRING LAKE NC 283909495, SPRING LAKE, NC 28390-9495

Tax Assessment & Valuation

The 2026 property tax bill for 38 Lancaster Ct was $2,934, up 41.5% from the year before.

Source: Harnett County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,934.00 (+41.53%)	$385,016 (+35.72%)	$385,016 (+35.72%) Land $52,100 Building $332,916
2025	$2,073.00	$283,680	$283,680 Land $37,890 Building $245,790
2023	$2,073.00	$283,680	$283,680 Land $37,890 Building $245,790

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

Flood

FEMA maps place 38 Lancaster Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 38 Lancaster Ct is moderate, ranking above 58% of the US, with a 0.2% annual chance of wildfire.

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

Wildfire Risk	Moderate above 58% of the US · above 81% of North Carolina
Wildfire Likelihood	0.2% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 137 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Brightspeed Fiber	940 / 940
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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