102 Ryan Cir, Spring Lake, NC 28390 Property Records

Cumberland County property record for 102 Ryan Cir, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,444 sqft · built 1992
Lot Size	0.34 acres (14,810 sqft)
Owner	2 Individual Names on File
Last Sale	$227,500 (Jan 2026)
Tax Bill	$3,305 (2026)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Jul 2018 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`0501-39-6298`

Property Details

APN / Parcel Number

Primary APN	`0501-39-6298`
Alternative APN	`0501.06396298`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,444 sqft Heated Area
1st Floor Area	1,444 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	14,810 sqft (0.34 acres)
Lot Dimensions	157 ft deep x 48.3 ft wide
Garage Area	483 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	77 sqft
Patio Area	99 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	102 RYAN CIR
City	SPRING LAKE
State	NC
Zip	28390-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	LAKETREE LO:121 SE:02 PL:0080-0005
Legal Subdivision	LAKETREE
Legal Block	39
Legal Lot Number	121
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3009
Census Tract	3501

Owner

102 Ryan Cir is owned and occupied by two individuals who bought it in January 2026.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	102 RYAN CIR, SPRING LAKE, NC 28390-3172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2026	Warranty Deed, Transfer · FHA Mortgage MOVEMENT MORTGAGE
Jul 3, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 16, 2026 · Amount on File
Deed Sale	Jan 16, 2026 · Amount on File
Prior Sale	Jul 3, 2018 · Amount on File
Deed Document Number	20261755
Deed Book / Page	12426 / 260
Prior Transfer Date	Feb 7, 2018
Prior Transfer Doc	0103360202
Record Updated	Oct 29, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jan 16, 2026
Property Address	102 RYAN CIR, SPRING LAKE, NC 28390-3172
Document Number	0124260260
Book / Page	12426 / 260
Map Reference	MB 80 PG 5
Instrument Date	Dec 30, 2025
Instrument	1755
Transaction Type	Transfer
Record Updated	Jan 30, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.00
Amount Accuracy	Rounded by County
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5212 FEMOYER AVENUE #BB, BB, SPRING LAKE, NC 28390

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 RYANS CIRCLE, ANCHORAGE, AK 99506

Mortgage

Document Number	0000001756
Date	Jan 16, 2026
Instrument	1756

Lender

Name	MOVEMENT MORTGAGE
Type	Mortgage Company

Agreement

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

July 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 3, 2018
Property Address	102 RYAN CIR, SPRING LAKE, NC 28390-3172
Document Number	0103360202
Book / Page	010336 / 000202
Instrument Date	Jan 8, 2018
Instrument	20118
Transaction Type	Foreclosure
Record Updated	Jul 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$154.68
Amount Accuracy	Confirmed
Additional	Foreclosure Auction Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	122 MCCABE ST FORT BRAGG NC 283072302, FORT BRAGG, NC 28307-2302

Tax Assessment & Valuation

The 2026 property tax bill for 102 Ryan Cir was $3,305.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,305.00
2025	$3,305.00 (+46.82%)	$170,163 (+36.84%) Land $28,000 Building $142,163	$170,163 (+36.84%) Land $28,000 Building $142,163
2024	$2,251.00 (+10.13%)	$124,349 (-) Land $18,000 Building $106,349	$124,349 (-) Land $18,000 Building $106,349
2023	$2,044.00	$124,349 Land $18,000 Building $106,349	$124,349 Land $18,000 Building $106,349
2022	$2,044.00

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

Flood

FEMA maps place 102 Ryan Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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

Wildfire risk around 102 Ryan Cir is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	TOWN OF SPRING LAKE serves 11,725 people · EPA ID NC0326020
Water Source	Purchased surface water from several systems
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli currently in violation since Sep 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	7 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 216 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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