45 Providence Ct, Cameron, NC 28326 Property Records

Harnett County property record for 45 Providence Ct, Cameron, NC 28326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,717 sqft · built 1998
Lot Size	1 acres (43,560 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Aug 2017)
Tax Bill	$1,947 (2026)
Deeds & Mortgages	Sep 2025 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1500062729`

Property Details

APN / Parcel Number

Primary APN	`1500062729`
Alternative APNs	`09956502 0282 09` `1500024347`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,717 sqft Heated Area
1st Floor Area	856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Material	Composition Shingle
Lot Area	43,560 sqft (1 acres)
Garage Area	506 sqft
Porch	Porch
Porch Area	77 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500062729
Street Address	45 PROVIDENCE CT
City	CAMERON
State	NC
Zip	28326-6968
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20R
Legal Description	LOT#112 RICHMOND PARK PH 2 PT 1 PC#F-758B
Legal Subdivision	RICHMOND PARK @ NORTHRIDGE PLANTATION
Legal Phase	2
Legal Lot Number	112
Jurisdiction	HARNETT NC
Township / Civil Division	BARBECUE
Census Block Group	2
Census Block	2010
Census Tract	71303

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	45 PROVIDENCE CT, CAMERON, NC 28326-6968
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2025	Deed of Trust, Mortgage · Line of Credit BETHPAGE FCU
Aug 3, 2020	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
Aug 21, 2017	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2017 · Amount on Record
Deed Sale	Aug 21, 2017 · Amount on Record
Prior Sale	Oct 28, 2013 · Amount on Record
Deed Document Number	201712533
Deed Book / Page	3534 / 312
Last Transfer Date	Mar 18, 2024
Transfer Doc	0000004654
Record Updated	Oct 29, 2026

September 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	45 PROVIDENCE CT, CAMERON, NC 28326-6968
Transaction Type	Mortgage
Record Updated	Oct 2, 2025
Title Company	PROPERTY TITLE AND ESCROW LLC, PRIORITY TITLE & ESCROW LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 PROVIDENCE CT, CAMERON, NC 28326-6968

Mortgage

Document Number	0000017438
Date	Sep 16, 2025
Book Page	4303/2215
Instrument	2025017438

Lender

Name	BETHPAGE FCU
Type	Credit Union
Address	899 S OYSTER BAY RD, BETHPAGE, NY 11714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 28, 2055

Interest

Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	45 PROVIDENCE CT, CAMERON, NC 28326-6968
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013057
Date	Aug 3, 2020
Book Page	3847/598
Instrument	2020013057

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Aug 21, 2017
Property Address	45 PROVIDENCE CT, CAMERON, NC 28326-6968
Document Number	0000012533
Book / Page	003534 / 000312
Instrument Date	Jul 17, 2017
Instrument	12533
Transaction Type	Transfer
Record Updated	Sep 15, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$332.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	45 PROVIDENCE CT CAMERON NC 283266968, CAMERON, NC 28326-6968

Mortgage

Document Number	12534
Date	Aug 21, 2017
Book Page	003534/000316
Instrument	12534

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 20, 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	$1,947.00 (+26.92%)	$248,322 (+21.77%)	$248,322 (+21.77%) Land $40,790 Building $207,532
2025	$1,534.00	$203,930 (-)	$203,930 (-) Land $46,620 Building $157,310
2023	$1,534.00	$203,930	$203,930 Land $46,620 Building $157,310

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
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (2017–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · Hurricane Florence

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 44% of the US · above 65% 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 217 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50

May also be available: Brightspeed.

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