98 Spruce Dr, Benson, NC 27504 Property Records

Johnston County property record for 98 Spruce Dr, Benson, NC 27504

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,617 sqft · built 2019
Lot Size	0.639 acres (27,878 sqft)
Owner	Individual Name on Record
Last Sale	$520,000 (Feb 2026)
Tax Bill	$2,967 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`01F09055H`

Property Details

APN / Parcel Number

Primary APN	`01F09055H`
Alternative APN	`2000228533`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,617 sqft Living Area
Gross Area	3,918 sqft
1st Floor Area	1,953 sqft
Attic	Attic
Attic Area	1,016 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Architectural Style	Other
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	27,878 sqft (0.639 acres)
Garage Area	592 sqft
Parking Spaces	2 Parking Spaces
Porch	Finished/Screened Porch
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000228533
Street Address	98 SPRUCE DR
City	BENSON
State	NC
Zip	27504-5514
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 16 WOODCROFT SEC 3 PH 1 84/210
Legal Subdivision	16SL WOODCROFT SUB SEC THREE
Legal Phase	1
Legal Lot Number	16
Jurisdiction	JOHNSTON NC
Township / Civil Division	BANNER
Census Block Group	1
Census Block	1009
Census Tract	41401

Owner

Source: Johnston County records, as of March 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
Co-owner	Co-owner on Record
Mailing Address	98 SPRUCE DR, BENSON, NC 27504-5514
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUIST BANK
Feb 23, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
May 15, 2020	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage STATE EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2026 · Amount on Record
Deed Sale	Feb 23, 2026 · Amount on Record
Deed Document Number	2026005274
Deed Book / Page	DEED7055 / 32
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JOHNSTON NC
Property Address	98 SPRUCE DR, BENSON, NC 27504-5514
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000759452
Date	Jul 13, 2021
Book Page	5986/978
Instrument	2021759452

Lender

Name	TRUIST BANK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Feb 23, 2026
Property Address	98 SPRUCE DR, BENSON, NC 27504-5514
Document Number	0000005274
Book / Page	DEED7055 / 32
Map Reference	MB 84 PG 210-211
Instrument Date	Feb 23, 2026
Instrument	2026005274
Transaction Type	Transfer
Record Updated	Jul 1, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,040.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	97 BAILEY RD, COATS, NC 27521-9229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SPRUCE DR, BENSON, NC 27504-5514

Mortgage

Document Number	0000005275
Date	Feb 23, 2026
Instrument	2026005275

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year CMT
Max Rate	11%

May 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	May 15, 2020
Property Address	98 SPRUCE DR, BENSON, NC 27504-5514
Document Number	0000659283
Book / Page	5592 / 260
Map Reference	MB 84 PG 210-211
Instrument Date	May 15, 2020
Instrument	2020659283
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$657.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 58, BENSON, NC 27504-0058

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	98 SPRUCE DR, BENSON, NC 27504-5514

Mortgage

Document Number	0000659284
Date	May 15, 2020
Instrument	2020659284

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Change Frequency	Annually
Min Rate At Change	4.25%
Index	5-Year CMT
Margin	2
Max Rate	6%

Tax Assessment & Valuation

Source: Johnston County assessment roll, as of January 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,967.00 (+26.42%)	$466,820 (+59.78%) Land $65,000 Building $401,820	$466,820 (+59.78%) Land $65,000 Building $401,820
2023	$2,347.00	$292,160 Land $42,000 Building $250,160	$292,160 Land $42,000 Building $250,160

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 July 20, 2022 · 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	2 in force

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	Low lower than 63% of the US · above 51% of North Carolina
Wildfire Likelihood	0.04% 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	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

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