Cumberland County property record for 103 Carmichael Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,220 sqft · built 1978 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Last Sale | $102,000 (Jul 2020) |
| Tax Bill | $2,603 (2026) |
| Deeds & Mortgages | Jul 2020 Sale & Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-58-4045 |
| Primary APN | 0501-58-4045 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,220 sqft Heated Area |
| 1st Floor Area | 856 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 140 ft deep x 105 ft wide |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 54 sqft |
| Patio Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 103 CARMICHAEL LN |
|---|---|
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-3220 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | MANCHESTER FOREST LO:43 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 58 |
| Legal Lot Number | 43 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
103 Carmichael Ln is owned and occupied by an individual who bought it in July 2020.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 103 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| 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.
| Date | Document |
|---|---|
| Jul 1, 2020 | Warranty Deed, Transfer · VA Mortgage NAVY FCU |
| Mar 23, 2018 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 1, 2020 · Amount on File |
| Deed Sale | Jul 1, 2020 · Amount on File |
| Prior Sale | Mar 23, 2018 · Amount on File |
| Deed Document Number | 202023116 |
| Deed Book / Page | 10809 / 206 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jul 1, 2020 |
| Property Address | 103 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0108090206 |
| Book / Page | 010809 / 000206 |
| Instrument Date | Jun 23, 2020 |
| Instrument | 23116 |
| Transaction Type | Transfer |
| Record Updated | Aug 21, 2020 |
| Title Company | SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE R/E SVCS INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $204.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 103 CARMICHAEL LN SPRING LAKE NC 283903220, SPRING LAKE, NC 28390-3220 |
| Document Number | 108090208 |
|---|---|
| Date | Jul 1, 2020 |
| Book Page | 010809/000208 |
| Instrument | 23117 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Mar 23, 2018 |
| Property Address | 103 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0102730731 |
| Book / Page | 010273 / 000731 |
| Instrument Date | Feb 16, 2018 |
| Instrument | 8665 |
| Transaction Type | Transfer |
| Record Updated | Apr 5, 2018 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $179.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 103 CARMICHAEL LN SPRING LAKE NC 283903220, SPRING LAKE, NC 28390-3220 |
| Document Number | 102730734 |
|---|---|
| Date | Mar 23, 2018 |
| Book Page | 010273/000734 |
| Instrument | 8666 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 22, 2048 |
The 2026 property tax bill for 103 Carmichael Ln was $2,603.
Source: Cumberland County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Municipality | Spring Lake Town |
| Unified School District | Cumberland County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,603.00 | ||
| 2025 | $2,603.00 (+43.73%) | $130,015 (+46.14%) Land $28,000 Building $102,015 | $130,015 (+46.14%) Land $28,000 Building $102,015 |
| 2024 | $1,811.00 (+14.69%) | $88,969 (+2.39%) Land $15,000 Building $73,969 | $88,969 (+2.39%) Land $15,000 Building $73,969 |
| 2023 | $1,579.00 | $86,895 Land $15,000 Building $71,895 | $86,895 Land $15,000 Building $71,895 |
| 2022 | $1,579.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 103 Carmichael Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 12, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 103 Carmichael Ln is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 283 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 |
| Starlink Satellite | 280 / 30 |
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