712 W J St, Erwin, NC 28339 Property Records

Harnett County property record for 712 W J St, Erwin, NC 28339

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,275 sqft · built 1973
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$244,000 (Jun 2026)
Tax Bill	$2,642 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2024 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1500061720`

Property Details

APN / Parcel Number

Primary APN	`1500061720`
Alternative APNs	`060597 0077` `1500080620` `600646000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,275 sqft Heated Area
1st Floor Area	1,275 sqft

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Combination
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Carport
Carport	Carport
Porch	Porch
Porch Area	135 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500080620
Street Address	712 W J ST
City	ERWIN
State	NC
Zip	28339-8724
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R10
Legal Description	LOT#21 PEBBLE CR 0.46 AC TR#A PC#D-94B
Legal Subdivision	PEBBLE CR
Legal Tract	A
Legal Lot Number	21
Jurisdiction	HARNETT NC
Township / Civil Division	DUKE
Census Block Group	1
Census Block	1021
Census Tract	70500

Owner

Source: Harnett County records, as of October 20, 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	712 W J ST, ERWIN, NC 28339-8724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	His Wife

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Warranty Deed, Transfer · Conventional Mortgage CHURCHILL MORTGAGE CORPORATION
Feb 6, 2024	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2026 · Amount on Record
Deed Sale	Jun 1, 2026 · Amount on Record
Prior Sale	Feb 6, 2024 · Amount on Record
Deed Document Number	202611118
Deed Book / Page	4346 / 442
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Jun 1, 2026
Property Address	712 W J ST, ERWIN, NC 28339-8724
Document Number	0000011118
Book / Page	4346 / 442
Instrument Date	May 17, 2026
Instrument	202611118
Transaction Type	Transfer
Record Updated	Jul 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$49,288.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 W J ST, ERWIN, NC 28339-8724

Mortgage

Document Number	0000011119,
Date	Jun 1, 2026
Instrument	202611119

Lender

Name	CHURCHILL MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

February 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Feb 6, 2024
Property Address	712 W J ST, ERWIN, NC 28339-8724
Document Number	0000001904
Book / Page	4222 / 1578
Map Reference	CAB D SL 94-B
Instrument Date	Jan 30, 2024
Instrument	2024001904
Transaction Type	Transfer
Record Updated	Mar 11, 2024

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$460.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	11100 CAMBRIDGE VILLAGE LOOP, APEX, NC 27502-7709

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 W J ST, ERWIN, NC 28339-8724

Mortgage

Document Number	0000001905
Date	Feb 6, 2024
Book Page	4222/1582
Instrument	2024001905

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, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.9%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2029
Change Frequency	5 Years
Min Rate At Change	4.9%
Max Rate At Change	8.9%
Index	5-Year CMT
Max Rate	12.9%

Tax Assessment & Valuation

Source: Harnett County assessment roll, as of September 8, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Harnett County
Municipality	Erwin Town
Unified School District	Harnett County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,642.00 (+59.54%)	$207,089 (+57.59%)	$207,089 (+57.59%) Land $38,900 Building $168,189
2025	$1,656.00 (+2.41%)	$131,413 (-)	$131,413 (-) Land $19,930 Building $111,483
2023	$1,617.00	$131,413	$131,413 Land $19,930 Building $111,483

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 March 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	2 (2016)
Most Recent Claim	Oct 2016 · Hurricane Matthew
Claims by Event	Hurricane Matthew, Oct 2016 · 2 claims

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	Moderate above 48% of the US · above 70% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20

May also be available: Brightspeed.

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