1002 Riverside Cir, Spring Lake, NC 28390 Property Records

Cumberland County property record for 1002 Riverside Cir, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,749 sqft · built 1967
Lot Size	0.45 acres (19,602 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Nov 2020)
Tax Bill	$1,813 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9592-65-8205`

Property Details

APN / Parcel Number

Primary APN	`9592-65-8205`
Alternative APN	`9592.02658205`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,749 sqft Heated Area
1st Floor Area	1,300 sqft
Basement Area	449 sqft
Finished Basement	449 sqft
Utility Area	72 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	19,602 sqft (0.45 acres)
Lot Dimensions	200 ft deep x 87.5 ft wide
Garage Type	Carport
Garage Area	1,200 sqft
Carport	Carport
Carport Area	1,200 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	1002 RIVERSIDE CIR
City	SPRING LAKE
State	NC
Zip	28390-9556
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	BRAGG ESTATES LO:11 SE:06 PL:0035-0061
Legal Subdivision	BRAGG ESTATES
Legal Block	65
Legal Lot Number	11
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1012
Census Tract	3602

Owner

1002 Riverside Cir is owned and occupied by two individuals who bought it in November 2020.

Source: Cumberland County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1002 RIVERSIDE CIR, SPRING LAKE, NC 28390-9556
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2026	Deed of Trust, Mortgage · Line of Credit GRIFFIN FUNDING INC
May 27, 2022	Deed of Trust, Mortgage · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC
Nov 4, 2020	Grant Deed, Transfer · Conventional with PMI FRANCES M CATO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on File
Deed Sale	Nov 4, 2020 · Amount on File
Prior Sale	Sep 7, 2006 · Amount on File
Deed Document Number	202041192
Deed Book / Page	10922 / 861
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Recording Date	Aug 3, 2026
Property Address	1002 RIVERSIDE CIR, SPRING LAKE, NC 28390-9556
Document Number	0000025763
Book / Page	12590 / 239
Instrument Date	Jul 24, 2026
Instrument	202625763
Transaction Type	Mortgage
Record Updated	Aug 11, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000025763,
Date	Aug 3, 2026
Book Page	12590/239
Instrument	202625763

Lender

Name	GRIFFIN FUNDING INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Aug 19, 2036

Interest

Rate	6.49%
Max Rate	-1%

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1002 RIVERSIDE CIR, SPRING LAKE, NC 28390-9556
Transaction Type	Mortgage
Record Updated	Jun 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0114830487
Date	May 27, 2022
Book Page	11483/487
Instrument	21878

Lender

Name	SOUTHERN TRUST MORTGAGE LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

November 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Nov 4, 2020
Property Address	1002 RIVERSIDE CIR, SPRING LAKE, NC 28390-9556
Document Number	0109220861
Book / Page	010922 / 000861
Instrument Date	Oct 29, 2020
Instrument	41192
Transaction Type	Transfer
Record Updated	Dec 11, 2020
Title Company	SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE R/E SVCS INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$170.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1002 RIVERSIDE CIR SPRING LAKE NC 283909556, SPRING LAKE, NC 28390-9556

Mortgage

Document Number	109220863
Date	Nov 4, 2020
Book Page	010922/000863
Instrument	41193

Lender

Name	FRANCES M CATO
Address	312 NORTHVIEW DR, FAYETTEVILLE, NC 28303
Special Notes	Seller Financed

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	36 Months
Due	Nov 3, 2023

Tax Assessment & Valuation

The 2026 property tax bill for 1002 Riverside Cir was $1,813.

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,813.00
2025	$1,813.00 (+59.17%)	$180,411 (+52.32%) Land $15,000 Building $165,411	$180,411 (+52.32%) Land $15,000 Building $165,411
2024	$1,139.00 (+3.36%)	$118,439 (-) Land $7,000 Building $111,439	$118,439 (-) Land $7,000 Building $111,439
2023	$1,102.00 (+3.47%)	$118,439 Land $7,000 Building $111,439	$118,439 Land $7,000 Building $111,439
2022	$1,065.00

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

Flood

FEMA maps place 1002 Riverside Cir in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 1002 Riverside Cir is moderate, ranking above 56% 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 56% of the US · above 78% 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	BRAGG ESTATES WATER SYSTEM private · serves 360 people · EPA ID NC0326122
Water Source	Groundwater
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2026–2028) 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 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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