38 Overview Ct, Spring Lake, NC 28390 Property Records

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

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,671 sqft · built 2010
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on Record
Last Sale	$400,000 (Apr 2026)
Tax Bill	$2,448 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1500019504`

Property Details

APN / Parcel Number

Primary APN	`1500019504`
Alternative APN	`01053519 0100 50`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,671 sqft Heated Area
1st Floor Area	1,129 sqft

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Roof Type	Hip
Lot Area	19,602 sqft (0.45 acres)
Garage Area	441 sqft
Porch	Porch
Porch Area	406 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump

Location & Zoning

Account Number	1500019504
Street Address	38 OVERVIEW CT
City	SPRING LAKE
State	NC
Zip	28390-2241
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20R
Legal Description	LOT#747 ANDERSON CREEK P4B S2B MAP#2009-292
Legal Subdivision	ANDERSON CREEK CLU
Legal Lot Number	747
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	2
Census Block	2006
Census Tract	71204

Owner

Source: Harnett County records, as of July 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 OVERVIEW CT, SPRING LAKE, NC 28390-2241
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2021	Deed of Trust, Mortgage · VA Mortgage ACOPIA LLC
Apr 17, 2026	Warranty Deed, Transfer · VA Mortgage STIFEL BANK AND TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Jun 1, 2016 · Amount on Record
Deed Document Number	20267521
Deed Book / Page	4337 / 1667
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	38 OVERVIEW CT, SPRING LAKE, NC 28390-2241
Transaction Type	Mortgage
Record Updated	Apr 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004197
Date	Feb 24, 2021
Book Page	3943/707
Instrument	2021004197

Lender

Name	ACOPIA LLC
Type	Mortgage Company
Address	GOODLETTSVILLE, TN 37072

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Apr 17, 2026
Property Address	38 OVERVIEW CT, SPRING LAKE, NC 28390-2241
Document Number	0000007521
Book / Page	4337 / 1667
Instrument Date	Apr 15, 2026
Instrument	20267521
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$80,800.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	38 OVERVIEW CT, SPRING LAKE, NC 28390-2241

Mortgage

Document Number	0000007522,
Date	Apr 17, 2026
Instrument	20267522

Lender

Name	STIFEL BANK AND TRUST

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Harnett County assessment roll, as of August 28, 2025

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
2025	$2,448.00	$337,108 (-)	$337,108 (-) Land $79,200 Building $257,908
2023	$2,448.00	$337,108	$337,108 Land $79,200 Building $257,908

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 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 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	Hurricane Florence, Sep 2018 · 3 claims

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	Moderate above 42% of the US · above 62% 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.

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 93 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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