Harnett County property record for 490 Melody Ln, Cameron, NC 28326
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,178 sqft · built 1992 |
| Lot Size | 0.98 acres (42,689 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $91,000 (Dec 1992) |
| Tax Bill | $1,911 (2026) |
| Deeds & Mortgages | Mar 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 019594 0048 15 |
| Primary APN | 019594 0048 15 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,178 sqft Heated Area |
| 1st Floor Area | 2,138 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1992 |
| Exterior Material | Other |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 42,689 sqft (0.98 acres) |
| Garage Area | 825 sqft |
| Porch | Porch |
| Porch Area | 138 sqft |
| Patio Area | 140 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 107265000 |
|---|---|
| Street Address | 490 MELODY LN |
| City | CAMERON |
| State | NC |
| Zip | 28326-9040 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20R |
| Legal Description | LT#11 FOREST RIDGE SEC#3 PC#E-32B |
| Legal Subdivision | FOREST RIDGE |
| Legal Lot Number | 11 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 71402 |
490 Melody Ln is owned and occupied by two individuals who bought it in December 1992.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 490 MELODY LN, CAMERON, NC 28326-9040 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 1, 1992 · Amount on File |
| Deed Sale | Dec 1, 1992 · Amount on File |
| Deed Book / Page | 990 / 887 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 490 MELODY LN, CAMERON, NC 28326-9040 |
| Transaction Type | Mortgage |
| Record Updated | Mar 18, 2022 |
| Title Company | VETERAN EXPRESS TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000004498 |
|---|---|
| Date | Mar 2, 2022 |
| Book Page | 4121/648 |
| Instrument | 2022004498 |
| Name | NEW DAY FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FULTON, MD 20759 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Apr 1, 2037 |
The 2026 property tax bill for 490 Melody Ln was $1,911, up 58.7% from the year before.
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 | $1,911.00 (+58.72%) | $288,494 (+42.46%) | $288,494 (+42.46%) Land $53,980 Building $234,514 |
| 2025 | $1,204.00 | $202,503 | $202,503 Land $59,980 Building $142,523 |
| 2023 | $1,204.00 Veteran's exemption | $202,503 | $202,503 Land $59,980 Building $142,523 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 490 Melody Ln in Zone X, an area of minimal flood risk.
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 | 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 risk around 490 Melody Ln is moderate, ranking above 56% of the US, with a 0.1% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 78% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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 59 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 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Brightspeed.
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