Harnett County property record for 46 River Oak St, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,886 sqft · built 2011 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,904 (2026) |
| Deeds & Mortgages | Feb 2022 Mortgage Dec 2020 Loan Modification |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500005841 |
| Primary APN | 1500005841 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,886 sqft Heated Area |
| 1st Floor Area | 812 sqft |
| Year Built | Built 2011 |
|---|---|
| Effective Year Built | Effective 2011 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Hip |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 400 sqft |
| Porch | Porch |
| Porch Area | 2,656 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Account Number | 1500005841 |
|---|---|
| Street Address | 46 RIVER OAK ST |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-9630 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20M |
| Legal Description | LT#115 OLDE FARM VILL PH1 M#2011-259 0.139AC |
| Legal Subdivision | OLDE FARM VILLAGE |
| Legal Phase | 1 |
| Legal Lot Number | 115 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 71203 |
46 River Oak St is owned by two individuals who acquired it in July 2012.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 116 VISTA BROOKE DR, MORRISVILLE, NC 27560-9712 |
| 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.
| Date | Document |
|---|---|
| Feb 11, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CORPORATE INVESTORS MORTGAGE GROUP INC |
| Dec 3, 2020 | Loan Modification, Mortgage · Line of Credit HOUSING CAP |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 30, 2012 |
| Deed Sale | Jul 30, 2012 |
| Deed Document Number | 201211992 |
| Deed Book / Page | 3017 / 699 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 46 RIVER OAK ST, SPRING LAKE, NC 28390-9630 |
| Transaction Type | Mortgage |
| Record Updated | Feb 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000003061 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 4113/666 |
| Instrument | 2022003061 |
| Name | CORPORATE INVESTORS MORTGAGE GROUP INC |
|---|---|
| Type | Mortgage Company |
| Address | CHAPEL HILL, NC 27517 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 46 RIVER OAK ST, SPRING LAKE, NC 28390-9630 |
| Document Number | 0000022676 |
| Instrument Date | Dec 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 4, 2021 |
| Title Company | ATTORNEY ONLY |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 46 RIVER OAK ST SPRING LAKE NC 283909630, SPRING LAKE, NC 28390-9630 |
| Investor | Possibly a Property Investor |
| Document Number | 0000022676 |
|---|---|
| Date | Dec 4, 2020 |
| Book Page | 003905/000855 |
| Instrument | 22676 |
| Name | HOUSING CAP |
|---|---|
| Type | Funding / Finance Company |
| Address | 201 S TRYON ST, CHARLOTTE, NC 28202-3212 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 46 River Oak St was $1,904.
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 | $1,904.00 | $245,888 | $245,888 Land $36,750 Building $209,138 |
| 2023 | $1,525.00 | $205,522 | $205,522 Land $31,500 Building $174,022 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 46 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 46 River Oak St is moderate, ranking above 42% 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 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.
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 101 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 |
| AT&T Fixed Wireless | 100 / 20 |
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