634 Spruce Meadows Ln, Willow Spring, NC 27592 Property Records

Wake County property record for 634 Spruce Meadows Ln, Willow Spring, NC 27592

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,737 sqft · built 2015
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Last Sale	$270,000 (Aug 2015)
Tax Bill	$3,047 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0677.04-71-8092-000`

Property Details

APN / Parcel Number

Primary APN	`0677.04-71-8092-000`
Alternative APNs	`0677.04-71-8092 0410184` `0677718092` `0410184`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,737 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	20,473 sqft (0.47 acres)
Garage Area	400 sqft
Porch	Open Porch
Porch Area	216 sqft
Deck Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	0410184
Street Address	634 SPRUCE MEADOWS LN
City	WILLOW SPRING
State	NC
Zip	27592-8310
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	LO19 ROWLAND MEADOWS PH3 BM2011-00605
Legal Subdivision	ROWLAND MEADOWS PH3
Legal Phase	3
Legal Lot Number	19
Jurisdiction	WAKE NC
Township / Civil Division	MIDDLE CREEK
Census Block Group	2
Census Block	2038
Census Tract	53109

Owner

Source: Wake County records, as of May 21, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Oct 5, 2022	Deed of Trust, Mortgage · Line of Credit COASTAL FCU
Oct 22, 2021	Deed of Trust, Mortgage · Line of Credit COASTAL FCU
Apr 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage RELIANCE FIRST CAPITAL LLC
Jul 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage BETTER MTG CORP ISAOA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2015 · Amount on Record
Deed Sale	Aug 31, 2015 · Amount on Record
Prior Sale	Mar 20, 2015 · Amount on Record
Deed Book / Page	16138 / 360
Last Transfer Date	Mar 25, 2021
Transfer Doc	18444/2467
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310

Mortgage

Document Number	20146/1340
Date	Feb 18, 2026
Book Page	20146/1340

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.32%
Type Change Date	Mar 1, 2031
Change Frequency	5 Years
Min Rate At Change	3.32%
Max Rate At Change	7.32%
Index	5-Year TN
Margin	2
Max Rate	11.3%

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Transaction Type	Mortgage
Record Updated	Oct 13, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	19165/2627
Date	Oct 5, 2022
Book Page	19165/2627

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 4, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	18760/1545
Date	Oct 22, 2021
Book Page	18760/1545

Lender

Name	COASTAL FCU
Type	Credit Union
Address	RALEIGH, NC 27609

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 21, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WAKE NC
Recording Date	Apr 9, 2021
Property Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Document Number	18444/2467
Book / Page	18444 / 2467
Map Reference	MB 2011 PG 603-606
Instrument Date	Mar 25, 2021
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310

Mortgage

Document Number	0184442470
Date	Apr 9, 2021
Instrument	18444/2470

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WAKE NC
Property Address	634 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8310
Document Number	179771813
Instrument Date	Jul 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 4, 2020
Title Company	WESTCOR LAND TITLE INSURANCE COMPANY, WESTCOR LAND TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	634 SPRUCE MEADOWS LN WILLOW SPRING NC 275928310, WILLOW SPRING, NC 27592-8310

Mortgage

Document Number	179771813
Date	Jul 22, 2020
Book Page	017977/001813

Lender

Name	BETTER MTG CORP ISAOA
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 21, 2050

Tax Assessment & Valuation

Source: Wake County assessment roll, as of September 9, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Wake County
Unified School District	Wake County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,047.00 (+24.06%)	$473,331 (+51.48%) Land $90,000 Building $383,331	$473,331 (+51.48%) Land $90,000 Building $383,331
2023	$2,456.00	$312,471 Land $50,000 Building $262,471	$312,471 Land $50,000 Building $262,471

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 September 7, 2026 · 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	7 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 43% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	ROWLAND POND S/D private · serves 363 people · EPA ID NC4092043
Water Source	Groundwater
Last State Inspection	May 2025
Also Mapped Here	TOWN OF FUQUAY-VARINA
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 141 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ting Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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