1016 Riverside Cir, Spring Lake, NC 28390 Property Records

Cumberland County property record for 1016 Riverside Cir, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,127 sqft · built 1967
Lot Size	0.39 acres (16,988 sqft)
Owner	Individual Name on File
Last Sale	$120,000 (Jan 2022)
Tax Bill	$845 (2026)
Deeds & Mortgages	Aug 2025 Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9592-75-5557`

Property Details

APN / Parcel Number

Primary APN	`9592-75-5557`
Alternative APN	`9592.02755557`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,127 sqft Heated Area
1st Floor Area	1,127 sqft
Utility Area	32 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	16,988 sqft (0.39 acres)
Lot Dimensions	200 ft deep x 85 ft wide
Garage Type	Carport
Garage Area	318 sqft
Carport	Carport
Carport Area	318 sqft
Parking Spaces	1 Parking Space
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1016 RIVERSIDE CIR
City	SPRING LAKE
State	NC
Zip	28390-9542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	BRAGG ESTATES LO:25 SE:06 PL:0035-0061
Legal Subdivision	BRAGG ESTATES
Legal Block	75
Legal Lot Number	25
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1012
Census Tract	3602

Owner

1016 Riverside Cir is owned and occupied by an individual who bought it in January 2022.

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

Owner of Record	Individual Name on File
Mailing Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
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 26, 2025	Deed of Trust, Mortgage · VA Mortgage LIBERTY 1 LENDING INC
May 5, 2026	Deed of Trust, Mortgage · VA Mortgage VANTAGE POINT TITLE
Jan 28, 2022	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jul 1, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO
Jul 1, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2022 · Amount on File
Deed Sale	Jan 28, 2022 · Amount on File
Prior Sale	Jul 1, 2021 · Amount on File
Deed Document Number	20224063
Deed Book / Page	11379 / 381
Record Updated	Oct 29, 2026

August 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	EQUITY FIRST TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

Mortgage

Document Number	0123140547
Date	Aug 26, 2025
Book Page	12314/547
Instrument	26510

Lender

Name	LIBERTY 1 LENDING INC
Type	Mortgage Company
Address	33101 SCHOOLCRAFT RD, LIVONIA, MI 48150

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	325 Months
Due	Sep 1, 2052

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Recording Date	May 5, 2026
Property Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0125170132
Book / Page	12517 / 132
Instrument Date	Apr 30, 2026
Instrument	202614660
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

Mortgage

Document Number	0000014660,
Date	May 5, 2026
Book Page	12517/132
Instrument	202614660

Lender

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jan 28, 2022
Property Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0113790381
Book / Page	11379 / 381
Map Reference	MB 35 PG 61
Instrument Date	Jan 27, 2022
Instrument	4063
Transaction Type	Transfer
Record Updated	Feb 15, 2022
Title Company	TITLEVEST

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$240.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 2150, CHANDLER, AZ 85286-1662

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

Mortgage

Document Number	0000004064
Date	Jan 28, 2022
Instrument	4064

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0113790396
Date	Jan 28, 2022
Book Page	11379/396
Instrument	4065

Lender

Name	NORTH CAROLINA HOUSING FINANCE AGENCY
Type	Government Agency
Address	RALEIGH, NC 27611

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 1, 2021
Property Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0111720889
Book / Page	11172 / 889
Map Reference	MB 35 PG 61
Instrument Date	Jul 1, 2021
Instrument	30672
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Tax	$196.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1007 VASS RD, SPRING LAKE, NC 28390-9560

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

July 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 1, 2021
Property Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0111720886
Book / Page	11172 / 886
Map Reference	MB 35 PG 61
Instrument Date	Jun 30, 2021
Instrument	30671
Transaction Type	Transfer
Record Updated	Jul 20, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1016 RIVERSIDE CIR, 1016, SPRING LAKE, NC 28390-9542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1016 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

Tax Assessment & Valuation

The 2026 property tax bill for 1016 Riverside Cir was $845, down 27.2% from the year before.

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	$845.00 (-27.16%)
2025	$1,160.00 (+56.76%)	$104,180 (+40.96%) Land $15,000 Building $89,180	$104,180 (+40.96%) Land $15,000 Building $89,180
2024	$740.00 (+5.26%)	$73,910 (-) Land $7,000 Building $66,910	$73,910 (-) Land $7,000 Building $66,910
2023	$703.00 (+5.56%)	$73,910 Land $7,000 Building $66,910	$73,910 Land $7,000 Building $66,910
2022	$666.00

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

Flood

FEMA maps place 1016 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 1016 Riverside Cir is moderate, ranking above 55% 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 55% of the US · above 77% 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

Nearby Properties on Riverside Cir

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