9905 Spring Creek Dr, Midland, NC 28107 Property Records

Union County property record for 9905 Spring Creek Dr, Midland, NC 28107

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,642 sqft · built 1996
Lot Size	0.95 acres (41,382 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jan 2026)
Tax Bill	$951 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`08-177-022`

Property Details

APN / Parcel Number

Primary APN	`08-177-022`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,642 sqft Living Area
Gross Area	1,674 sqft
1st Floor Area	1,642 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	41,382 sqft (0.95 acres)

Exterior Amenities

Porch	Slab
Porch Area	376 sqft
Deck Area	257 sqft
Patio Area	257 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9905 SPRING CREEK DR
City	MIDLAND
State	NC
Zip	28107-7226
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RA-40 FAIR
Legal Description	#7 OAK CREEK FARM PH3 MP1 OPCE96
Legal Subdivision	OAK CREEK FARM
Legal Lot Number	7
Jurisdiction	UNION NC
Township / Civil Division	GOOSE CREEK
Census Block Group	1
Census Block	1007
Census Tract	20203

Owner

Source: Union 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	9905 SPRING CREEK DR, MIDLAND, NC 28107-7226
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Warranty Deed, Transfer · FHA Mortgage NOVUS HOME MORTGAGE
Apr 6, 2023	Warranty Deed, Transfer · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Apr 6, 2023 · Amount on Record
Deed Document Number	20261323
Deed Book / Page	9288 / 16
Prior Transfer Date	Sep 30, 2003
Prior Transfer Doc	0000048985
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Jan 16, 2026
Property Address	9905 SPRING CREEK DR, MIDLAND, NC 28107-7226
Document Number	0000928816
Book / Page	9288 / 16
Map Reference	CAB E FILE 96
Instrument Date	Jan 16, 2026
Instrument	1323
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$570.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24542 ENDY RD, ALBEMARLE, NC 28001-7501

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9905 SPRING CREEK DR, MIDLAND, NC 28107-7226

Mortgage

Document Number	0000001324
Date	Jan 16, 2026
Instrument	1324

Lender

Name	NOVUS HOME MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	UNION NC
Recording Date	Apr 6, 2023
Property Address	9905 SPRING CREEK DR, MIDLAND, NC 28107-7226
Document Number	0008685635
Book / Page	8685 / 635
Map Reference	CAB E FILE 96
Instrument Date	Apr 6, 2023
Instrument	7992
Transaction Type	Transfer
Record Updated	Dec 2, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$120.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	239 GEM LN, STANFIELD, NC 28163-6773

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Investor	Possibly a Property Investor

Mortgage

Document Number	0000007993
Date	Apr 6, 2023
Instrument	7993

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	May 1, 2038

Interest

Rate Type	Adjustable Rate
Rate	5.4%
Type Change Date	May 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	7.4%
Index	5-Year TN
Max Rate	11.4%

Tax Assessment & Valuation

Source: Union County assessment roll, as of March 31, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Union County
Municipality	Fairview Town
Unified School District	Union County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$186,300 (-) Land $44,800 Building $141,500	$186,300 (-) Land $44,800 Building $141,500
2025	$951.00 (+110.4%)	$186,300 (+170.78%) Land $44,800 Building $141,500	$186,300 (+170.78%) Land $44,800 Building $141,500
2023	$452.00	$68,800 Land $24,900 Building $43,900	$68,800 Land $24,900 Building $43,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 14, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber · Cable in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

Cell Coverage

5G (outdoors only) and 4G LTE

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