85 Cobblestone Dr, Spring Lake, NC 28390 Property Records

Harnett County property record for 85 Cobblestone Dr, Spring Lake, NC 28390 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,900 sqft · built 2006
Lot Size	0.38 acres (16,553 sqft)
Owner	2 Individual Names on File
Last Sale	$295,000 (Jul 2026)
Tax Bill	$1,541 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1500037742`

Property Details

APN / Parcel Number

Primary APN	`1500037742`
Alternative APN	`01053514 0100 02`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,900 sqft Heated Area
1st Floor Area	816 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Garage Area	520 sqft
Porch	Porch
Porch Area	120 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500037742
Street Address	85 COBBLESTONE DR
City	SPRING LAKE
State	NC
Zip	28390-9174
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT#27 STONE CROSS SC2 PHIMAP#2005-953
Legal Subdivision	STONE CROSS
Legal Phase	1
Legal Lot Number	27
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	2
Census Block	2006
Census Tract	71204

Owner

Source: Harnett County records · APN 1500037742

Assessment roll updated August 28, 2025 · Last verified August 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	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2026	Warranty Deed, Transfer · VA Mortgage AMERICAN SECURITY MORTGAGE CORPORATION
Oct 26, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Aug 17, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Jul 15, 2020	Warranty Deed, Transfer · Construction Mortgage NFM LNDG

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 29, 2026 · Amount on Record
Deed Sale	Jul 29, 2026 · Amount on Record
Prior Sale	Jul 15, 2020 · Amount on Record
Deed Document Number	202615558
Deed Book / Page	4355 / 2305
Prior Transfer Date	Aug 04, 2020
Prior Transfer Doc	0000014087
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Jul 29, 2026
Property Address	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174
Document Number	0000015558
Book / Page	4355 / 2305
Instrument Date	Jul 29, 2026
Instrument	202615558
Transaction Type	Transfer
Record Updated	Aug 11, 2026
Title Company	SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE REAL ESTATE SERV

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$59,590.00
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	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174

Mortgage

Document Number	0000015560,
Date	Jul 29, 2026
Instrument	202615560

Lender

Name	AMERICAN SECURITY MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HARNETT NC
Property Address	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025234
Date	Oct 26, 2021
Book Page	4065/940
Instrument	2021025234

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HARNETT NC
Recording Date	Aug 17, 2020
Property Address	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174
Document Number	0000014087
Book / Page	003853 / 000683
Instrument Date	Aug 04, 2020
Instrument	14087
Transaction Type	Transfer
Record Updated	Sep 23, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	85 COBBLESTONE DR SPRING LAKE NC 283909174, SPRING LAKE, NC 28390-9174

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Jul 15, 2020
Property Address	85 COBBLESTONE DR, SPRING LAKE, NC 28390-9174
Document Number	0000011769
Book / Page	003840 / 000003
Instrument Date	Jun 18, 2020
Instrument	11769
Transaction Type	Transfer
Record Updated	Aug 24, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$380.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	85 COBBLESTONE DR SPRING LAKE NC 283909174, SPRING LAKE, NC 28390-9174

Mortgage

Document Number	11770
Date	Jul 15, 2020
Book Page	003840/000005
Instrument	11770

Lender

Name	NFM LNDG
Address	LINTHICUM, MD 21090

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2050

Tax Assessment & Valuation

Source: Harnett County records · Assessment roll updated August 28, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$1,541.00	$207,747 (-)	$207,747 (-) Land $43,930 Building $163,817
2023	$1,541.00	$207,747	$207,747 Land $43,930 Building $163,817

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Harnett County (37085C), updated March 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370850712042, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 21 individual NFIP policies nearby
Nearby Flood Policies	21 in force
Nearby Flood Claims	6 (2013–2018)
Claims Outside the SFHA	6 of 6
Most Recent Claim	Sep 2018, rainfall accumulation, Hurricane Florence
Claims By Storm	Hurricane Florence, Sep 2018 · 3 claims

Wildfire

Wildfire Risk	Moderate above 50% of the US · above 72% of North Carolina
Wildfire Likelihood	About 1 in 980 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 131 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Brightspeed	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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