646 Melody Ln, Cameron, NC 28326 Property Records

Harnett County property record for 646 Melody Ln, Cameron, NC 28326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,971 sqft · built 1995
Lot Size	1.22 acres (53,143 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Oct 1995)
Tax Bill	$2,199 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Nov 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`019594 0048 40`

Property Details

APN / Parcel Number

Primary APN	`019594 0048 40`
Alternative APN	`108168000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,971 sqft Heated Area
1st Floor Area	1,971 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Area	775 sqft
Porch	Porch
Porch Area	184 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	108168000
Street Address	646 MELODY LN
City	CAMERON
State	NC
Zip	28326-9041
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA20R
Legal Description	LT#17 FOREST RIDGE SC#3 PC#F-362B
Legal Subdivision	FOREST RIDGE
Legal Lot Number	17
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	2
Census Block	2051
Census Tract	71402

Owner

646 Melody Ln is owned and occupied by two individuals who bought it in October 1995.

Source: Harnett County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	646 MELODY LN, CAMERON, NC 28326-9041
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE MORTGAGE
Nov 13, 2025	Deed of Trust, Mortgage · VA Mortgage AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC
Apr 18, 2022	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Nov 30, 2017	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 1995 · Amount on File
Deed Sale	Oct 1, 1995 · Amount on File
Deed Book / Page	1118 / 696
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Recording Date	Sep 29, 2026
Property Address	646 MELODY LN, CAMERON, NC 28326-9041
Document Number	0000019917
Book / Page	4365 / 693
Instrument Date	Sep 21, 2026
Instrument	202619917
Transaction Type	Mortgage
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MELODY LN, CAMERON, NC 28326-9041

Mortgage

Document Number	0000019917,
Date	Sep 29, 2026
Book Page	4365/693
Instrument	202619917

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	646 MELODY LN, CAMERON, NC 28326-9041
Transaction Type	Mortgage
Record Updated	Nov 24, 2025
Title Company	COSMOPOLITAN TITLE CORPORATION, COSMOPOLITAN TITLE AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	646 MELODY LN, CAMERON, NC 28326-9041

Mortgage

Document Number	0000021620
Date	Nov 13, 2025
Book Page	4313/61
Instrument	2025021620

Lender

Name	AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANC
Address	700 E GATE DR STE 400, MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	241 Months
Due	Dec 1, 2045

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	646 MELODY LN, CAMERON, NC 28326-9041
Transaction Type	Mortgage
Record Updated	May 4, 2022
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSINGS SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008020
Date	Apr 18, 2022
Book Page	4141/9
Instrument	2022008020

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2037

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	646 MELODY LN, CAMERON, NC 28326-9041
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000017831
Date	Nov 30, 2017
Book Page	3561/0897
Instrument	2017017831

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 646 Melody Ln was $2,199.

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	$2,199.00	$297,435	$297,435 Land $57,060 Building $240,375
2023	$1,962.00	$264,051	$264,051 Land $63,400 Building $200,651

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 646 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

Wildfire risk around 646 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.

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 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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