Harnett County property record for 97 Cottswold Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,255 sqft · built 2005 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Jul 2022) |
| Tax Bill | $1,990 (2026) |
| Deeds & Mortgages | Sep 2022 Transfer Jul 2022 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1500051608 |
| Primary APN | 1500051608 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,255 sqft Heated Area |
| 1st Floor Area | 1,201 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Combination |
| Foundation Type | Footing |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Area | 500 sqft |
| Porch | Porch |
| Porch Area | 33 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Account Number | 1500051608 |
|---|---|
| Street Address | 97 COTTSWOLD LN |
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-7053 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RA20R |
| Legal Description | LOT#500 ANDERSON CREEK CLUB PH 3B1 MAP#2005-23 |
| Legal Subdivision | ANDERSON CREEK CLUB |
| Legal Phase | 3B |
| Legal Lot Number | 500 |
| Jurisdiction | HARNETT NC |
| Township / Civil Division | ANDERSON CREEK |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 71204 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 1, 2022 | Intrafamily Transfer, Transfer |
| Jul 28, 2022 | Warranty Deed, Transfer · VA Mortgage WINTRUST MORTGAGE |
| Apr 4, 2022 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Jan 2, 2020 | Special Warranty Deed, Transfer · FHA Mortgage HOMESPIRE MORTGAGE CORP |
| Jul 22, 2019 | Grant Deed, Foreclosure ATTORNEY ONLY |
| Jul 12, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 28, 2022 · Amount on Record |
| Deed Sale | Jul 28, 2022 · Amount on Record |
| Prior Sale | Jan 2, 2020 |
| Deed Document Number | 2022106142 |
| Deed Book / Page | 4160 / 2641 |
| Last Transfer Date | Sep 1, 2022 |
| Transfer Doc | 0000108605 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Sep 1, 2022 |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000108605 |
| Book / Page | 4165 / 835 |
| Map Reference | MB 2005 PG 23 |
| Instrument Date | Sep 1, 2022 |
| Instrument | 2022108605 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 97 COTTSWOLD LN, 97, SPRING LAKE, NC 28390-7053 |
| Name | Verified Name |
|---|---|
| Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jul 28, 2022 |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000106142 |
| Book / Page | 4160 / 2641 |
| Map Reference | MB 2005 PG 23 |
| Instrument Date | Jul 9, 2022 |
| Instrument | 2022106142 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $680.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 201 JEFFERSON ST NW APT 335, 201, HUNTSVILLE, AL 35801-5031 |
| Name | Verified Name |
|---|---|
| Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000106143 |
|---|---|
| Date | Jul 28, 2022 |
| Instrument | 2022106143 |
| Name | WINTRUST MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HARNETT NC |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Transaction Type | Mortgage |
| Record Updated | Apr 28, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000007037 |
|---|---|
| Date | Apr 4, 2022 |
| Book Page | 4135/679 |
| Instrument | 2022007037 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73134 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jan 1, 2050 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jan 2, 2020 |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000000024 |
| Book / Page | 3770 / 0484 |
| Map Reference | MB 2005 PG 23 |
| Instrument Date | Dec 18, 2019 |
| Instrument | 2020000024 |
| Transaction Type | Transfer |
| Record Updated | Aug 9, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001 |
| Name | Verified Name |
|---|---|
| Address | 12322 OAK CREST LN #611 # 611, 611, FAIRFAX, VA 22033 |
| Document Number | 0000000025 |
|---|---|
| Date | Jan 2, 2020 |
| Instrument | 2020000025 |
| Name | HOMESPIRE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jul 22, 2019 |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000009984 |
| Book / Page | 003717 / 000486 |
| Instrument Date | Jul 18, 2019 |
| Instrument | 9984 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | HARNETT NC |
| Recording Date | Jul 12, 2019 |
| Property Address | 97 COTTSWOLD LN, SPRING LAKE, NC 28390-7053 |
| Document Number | 0000009450 |
| Book / Page | 003714 / 000581 |
| Instrument Date | Jun 26, 2019 |
| Instrument | 9450 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 25, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $373.18 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 97 COTTSWOLD LN SPRING LAKE NC 283907053, SPRING LAKE, NC 28390-7053 |
| Investor | Possibly a Property Investor |
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 | $1,990.00 (+37.05%) | $302,472 (+26.02%) | $302,472 (+26.02%) Land $33,580 Building $268,892 |
| 2025 | $1,452.00 | $240,011 (-) | $240,011 (-) Land $44,510 Building $195,501 |
| 2023 | $1,452.00 Veteran's exemption | $240,011 | $240,011 Land $44,510 Building $195,501 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 Record 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 44% of the US · above 65% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% annual chance |
| Exposure | Indirect within ember reach |
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 158 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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