95 Dow Cir, Spring Lake, NC 28390 Property Records

Harnett County property record for 95 Dow Cir, Spring Lake, NC 28390

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,052 sqft · built 2007
Lot Size	0.89 acres (38,768 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2026)
Tax Bill	$1,291 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1500067027`

Property Details

APN / Parcel Number

Primary APN	`1500067027`
Alternative APNs	`010534 0047 03` `1500027955`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,052 sqft Heated Area
1st Floor Area	2,052 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Patio Area	132 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	1500067027
Street Address	95 DOW CIR
City	SPRING LAKE
State	NC
Zip	28390-7300
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RA20R
Legal Description	LOT#4 FLOSSIE B DOW 0.89AC MAP#2003-465
Legal Subdivision	FLOSSIE B DOW
Legal Tract	4
Legal Lot Number	4
Jurisdiction	HARNETT NC
Township / Civil Division	ANDERSON CREEK
Census Block Group	1
Census Block	1038
Census Tract	71201

Owner

95 Dow Cir, a mobile home, is owned and occupied by an individual who bought it in September 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	95 DOW CIR, SPRING LAKE, NC 28390-7300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2026	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE COMPANY
Jun 29, 2018	Warranty Deed, Transfer · Conventional with PMI BRANCH BK&TR

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 30, 2026 · Amount on File
Deed Sale	Sep 30, 2026 · Amount on File
Prior Sale	Oct 31, 2024 · Amount on File
Deed Document Number	202620167
Deed Book / Page	4365 / 2496
Prior Transfer Date	Aug 14, 2024
Prior Transfer Doc	0000014277
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Sep 30, 2026
Property Address	95 DOW CIR, SPRING LAKE, NC 28390-7300
Document Number	0000020167
Book / Page	4365 / 2496
Instrument Date	Sep 25, 2026
Instrument	202620167
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	95 DOW CIR, SPRING LAKE, NC 28390-7300

Mortgage

Document Number	0000020168,
Date	Sep 30, 2026
Instrument	202620168

Lender

Name	GUILD MORTGAGE COMPANY

Agreement

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

Interest

Max Rate	-1%

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HARNETT NC
Recording Date	Jun 29, 2018
Property Address	95 DOW CIR, SPRING LAKE, NC 28390-7300
Document Number	0000009427
Book / Page	003619 / 000353
Instrument Date	Jun 27, 2018
Instrument	9427
Transaction Type	Transfer
Record Updated	Jul 13, 2018
Title Company	TIAGO NATIONAL TITLE-FAYETTEVILLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$260.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	95 DOW CIR SPRING LAKE NC 283907300, SPRING LAKE, NC 28390-7300

Mortgage

Document Number	9428
Date	Jun 29, 2018
Book Page	003619/000355
Instrument	9428

Lender

Name	BRANCH BK&TR
Type	Bank
Address	WILSON, NC 27893

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jun 28, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 95 Dow Cir was $1,291, up 18.5% from the year before.

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	$1,291.00 (+18.55%)	$167,292 (+20.09%)	$167,292 (+20.09%) Land $28,070 Building $139,222
2025	$1,089.00	$139,304	$139,304 Land $23,640 Building $115,664
2023	$1,089.00	$139,304	$139,304 Land $23,640 Building $115,664

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

Flood

FEMA maps place 95 Dow Cir in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 2016.

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	8 in force
Nearby Flood Claims	4 (2016–2018)
Claims Outside the SFHA	3 of 4
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims 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

Wildfire risk around 95 Dow Cir 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 73% 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.

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 62 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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