4452 Ray Rd, Spring Lake, NC 28390 Property Records

Harnett County property record for 4452 Ray Rd, Spring Lake, NC 28390

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,509 sqft · built 1993
Lot Size	1.86 acres (81,022 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,824 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`010535 0100 34`

Property Details

APN / Parcel Number

Primary APN	`010535 0100 34`
Alternative APN	`109019000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,629 sqft Heated Area
1st Floor Area	1,505 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Other
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	81,022 sqft (1.86 acres)
Lot Dimensions	332 ft deep x 250 ft wide
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	168 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	109019000
Street Address	4452 RAY RD
City	SPRING LAKE
State	NC
Zip	28390-8880
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA20R
Legal Description	LTS#3&4 250X332 CANAL LD PC#D/133-C
Legal Subdivision	CANAL LAND CO
Legal Lot Number	3-4
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 October 20, 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	4452 RAY RD, SPRING LAKE, NC 28390-8880
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 23, 2021	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Jun 14, 2017	Loan Modification, Mortgage FIRST BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 1, 1999
Deed Sale	Feb 1, 1999
Deed Book / Page	1329 / 894
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	4452 RAY RD, SPRING LAKE, NC 28390-8880
Transaction Type	Mortgage
Record Updated	Aug 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4452 RAY RD, SPRING LAKE, NC 28390-8880

Mortgage

Document Number	0000027651
Date	Nov 23, 2021
Book Page	4079/587
Instrument	2021027651

Lender

Name	FIRST BANK
Type	Bank
Address	SANFORD, NC 27330

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HARNETT NC
Property Address	4452 RAY RD, SPRING LAKE, NC 28390-8880
Document Number	0000010460
Book / Page	003523 / 000347
Instrument Date	Jun 14, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4452 RAY RD SPRING LAKE NC 283908880, SPRING LAKE, NC 28390-8880

Mortgage

Document Number	0000010460
Date	Jul 17, 2017
Book Page	003523/000347
Instrument	10460

Lender

Name	FIRST BK
Type	Bank
Address	SANFORD, NC 27330

Agreement

Term	360 Months
Due	Jul 16, 2047

Tax Assessment & Valuation

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	$1,824.00 (+65.52%)	$235,096 (+61.9%)	$235,096 (+61.9%) Land $53,970 Building $181,126
2023	$1,102.00	$145,215	$145,215 Land $45,180 Building $100,035

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 53% of the US · above 75% of North Carolina
Wildfire Likelihood	0.1% 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	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 71 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed, Hotwire Communications.

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