Harnett County property record for 95 Bernard St, Spring Lake, NC 28390
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 967 sqft · built 1985 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $2,500 (Feb 1985) |
| Tax Bill | $639 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 010515 0163 |
| Primary APN | 010515 0163 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 967 sqft Heated Area |
| 1st Floor Area | 1,012 sqft |
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Architectural Style | Mobile Home |
| Exterior Material | Combination |
| Foundation Type | Pier/Post & Beam |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Porch | Porch |
| Porch Area | 256 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 103638000 |
|---|---|
| Street Address | 95 BERNARD ST |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-8788 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RA20R |
| Legal Description | 100X200 1 LOT #51 SEC 1 ANDERSON CREE |
| Legal Subdivision | ANDERSON CREEK HOMES |
| Legal Lot Number | 51 |
| Legal Unit | 51 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 71204 |
95 Bernard St, a mobile home, is owned by two individuals who bought it in February 1985.
Source: Harnett County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 1, 1985 · Amount on File |
| Deed Sale | Feb 1, 1985 · Amount on File |
| Deed Book / Page | 777 / 872 |
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 95 Bernard St was $639, up 92.5% from the year before.
Source: Harnett County assessment roll, as of September 8, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Harnett County |
| Unified School District | Harnett County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $639.00 (+92.47%) | $74,870 (+112.2%) | $74,870 (+112.2%) Land $29,230 Building $45,640 |
| 2025 | $332.00 | $35,283 | $35,283 Land $19,960 Building $15,323 |
| 2023 | $332.00 | $35,283 | $35,283 Land $19,960 Building $15,323 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 95 Bernard St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2013.
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 |
| Flood Insurance Cost | Premium on File median of 21 policies |
| Nearby Flood Policies | 21 in force |
| Nearby Flood Claims | 6 (2013–2018) |
| Claims Outside the SFHA | 6 of 6 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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 risk around 95 Bernard St is moderate, ranking above 51% 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 51% of the US · above 72% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
5G (outdoors only) and 4G LTE
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