Cumberland County property record for 103 Elfreth Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,204 sqft · built 1980 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $49,500 (Aug 2005) |
| Tax Bill | $2,783 (2026) |
| Deeds & Mortgages | Jan 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-57-1302 |
| Primary APN | 0501-57-1302 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,204 sqft Heated Area |
| 1st Floor Area | 1,204 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 147 ft deep x 105 ft wide |
| Garage Area | 330 sqft |
| Parking Spaces | 1 Parking Space |
| Patio Area | 108 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 103 ELFRETH LN |
|---|---|
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-3224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | MANCHESTER FOREST LO:76 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 57 |
| Legal Lot Number | 76 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 132 DRAGOON CT, RAEFORD, NC 28376-5800 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 12, 2005 · Amount on Record |
| Deed Sale | Aug 12, 2005 · Amount on Record |
| Prior Sale | Nov 30, 2000 · Amount on Record |
| Deed Book / Page | 6973 / 407 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 103 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0104380841 |
| Instrument Date | Jan 25, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2019 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 132 DRAGOON CT RAEFORD NC 283765800, RAEFORD, NC 28376-5800 |
| Document Number | 0104380841 |
|---|---|
| Date | Jan 29, 2019 |
| Book Page | 010438/000841 |
| Instrument | 2315 |
| Name | MARIA M PENADO |
|---|---|
| Address | 5669 MATILIJA AVE, VAN NUYS, CA 91401 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 24 Months |
| Due | Jan 28, 2021 |
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 | $2,783.00 | ||
| 2025 | $2,783.00 (+45.48%) | $141,481 (+43.72%) Land $28,000 Building $113,481 | $141,481 (+43.72%) Land $28,000 Building $113,481 |
| 2024 | $1,913.00 (+10.9%) | $98,439 (-) Land $15,000 Building $83,439 | $98,439 (-) Land $15,000 Building $83,439 |
| 2023 | $1,725.00 | $98,439 Land $15,000 Building $83,439 | $98,439 Land $15,000 Building $83,439 |
| 2022 | $1,725.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | 0.02% annual chance |
| Exposure | None beyond ember reach |
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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