Wake County property record for 645 Spruce Meadows Ln, Willow Spring, NC 27592
| Property Type | Single Family Home |
|---|---|
| Details | 3.5 ba · 2,629 sqft · built 2012 |
| Lot Size | 0.93 acres (40,511 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $340,000 (Jun 2020) |
| Tax Bill | $3,121 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Mar 2024 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0677.04-71-7129-000 |
| Primary APN | 0677.04-71-7129-000 |
|---|---|
| Alternative APNs |
|
| Full Baths | 3.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,629 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2012 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 40,511 sqft (0.93 acres) |
| Garage Area | 440 sqft |
| Porch | Open Porch |
| Porch Area | 224 sqft |
| Patio Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Sewer | Connected |
| Account Number | 0410166 |
|---|---|
| Street Address | 645 SPRUCE MEADOWS LN |
| City | WILLOW SPRING |
| State | NC |
| Zip | 27592-8311 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA |
| Legal Description | LO2-R ROWLAND MEADOWS PH3 BM2012-00540 |
| Legal Subdivision | ROWLAND MEADOWS PH3 |
| Legal Phase | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | WAKE NC |
| Township / Civil Division | MIDDLE CREEK |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 53109 |
Source: Wake County records · APN 0677.04-71-7129-000
Assessment roll updated September 9, 2025 · Last verified June 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 File |
|---|---|
| Mailing Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 20, 2026 | Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK |
| Mar 26, 2024 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Apr 06, 2023 | Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU |
| Feb 24, 2021 | Deed of Trust, Mortgage · FHA Mortgage GENEVA FINANCIAL LLC |
| Jun 04, 2020 | Warranty Deed, Transfer · FHA Mortgage CMG MORTGAGE INC |
| Mar 08, 2018 | Warranty Deed, Transfer · FHA Mortgage MOVEMENT MTG |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 04, 2020 · Amount on Record |
| Deed Sale | Jun 04, 2020 · Amount on Record |
| Prior Sale | Mar 08, 2018 · Amount on Record |
| Deed Book / Page | 17899 / 1520 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 08, 2026 |
| Name | Verified Name |
|---|
| Document Number | 020175/622 |
|---|---|
| Date | Mar 20, 2026 |
| Book Page | 20175/622 |
| Name | UNITED COMMUNITY BANK |
|---|---|
| Type | Bank |
| Address | FUQUAY VARINA, NC 27526 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Feb 28, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2024 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 019569/596 |
|---|---|
| Date | Mar 26, 2024 |
| Book Page | 19569/596 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Transaction Type | Mortgage |
| Record Updated | Apr 17, 2023 |
| Title Company | ACCURATE GROUP, ACCURATE GROUP LLC |
| Name | Verified Name |
|---|
| Document Number | 19303/1487 |
|---|---|
| Date | Apr 06, 2023 |
| Book Page | 19303/1487 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Address | RALEIGH, NC 27611 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Apr 05, 2026 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WAKE NC |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Transaction Type | Mortgage |
| Record Updated | May 05, 2022 |
| Name | Verified Name |
|---|
| Document Number | 018362/425 |
|---|---|
| Date | Feb 24, 2021 |
| Book Page | 18362/425 |
| Name | GENEVA FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHANDLER, AZ 85248 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Jun 04, 2020 |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Document Number | 178991520 |
| Book / Page | 17899 / 1520 |
| Map Reference | MB 2012 PG 540 |
| Instrument Date | Jun 01, 2020 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 9622 GREENBANK DR, 9622, RIVERVIEW, FL 33569-8203 |
| Name | Verified Name |
|---|---|
| Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Document Number | 178991522 |
|---|---|
| Date | Jun 04, 2020 |
| Instrument | 17899/1522 |
| Name | CMG MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WAKE NC |
| Recording Date | Mar 08, 2018 |
| Property Address | 645 SPRUCE MEADOWS LN, WILLOW SPRING, NC 27592-8311 |
| Document Number | 170640070 |
| Book / Page | 017064 / 000070 |
| Instrument Date | Feb 26, 2018 |
| Transaction Type | Transfer |
| Record Updated | Mar 16, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $574.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 645 SPRUCE MEADOWS LN WILLOW SPRING NC 275928311, WILLOW SPRING, NC 27592-8311 |
| Document Number | 170640072 |
|---|---|
| Date | Mar 08, 2018 |
| Book Page | 017064/000072 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 07, 2048 |
Source: Wake County records · Assessment roll updated September 9, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Wake County |
| Unified School District | Wake County Schools (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,121.00 (+24.44%) | $484,834 (+51.9%) Land $90,000 Building $394,834 | $484,834 (+51.9%) Land $90,000 Building $394,834 |
| 2023 | $2,508.00 | $319,177 Land $50,000 Building $269,177 | $319,177 Land $50,000 Building $269,177 |
Source: FEMA National Flood Hazard Layer as of September 7, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 7 in force |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ting Fiber Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Brightspeed.
Based on FCC filings for 141 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | ROWLAND POND S/D private · serves 363 people |
|---|---|
| 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 |
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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