1032 Bainbridge Rd, Stedman, NC 28391 Property Records

Cumberland County property record for 1032 Bainbridge Rd, Stedman, NC 28391

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 2,006 sqft · built 1980
Lot Size	1.4 acres (60,984 sqft)
Owner	Individual Name on File
Last Sale	$81,368 (Nov 2002)
Tax Bill	$2,293 (2026)
Deeds & Mortgages	Sep 2022 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0496-55-7617`

Property Details

APN / Parcel Number

Primary APN	`0496-55-7617`
Alternative APN	`0496.02557617`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,006 sqft Heated Area
Gross Area	1,959 sqft
1st Floor Area	1,647 sqft
Basement Area	312 sqft
Finished Basement	312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

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	60,984 sqft (1.4 acres)
Lot Dimensions	410 ft deep x 422 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	120 sqft
Deck Area	239 sqft
Patio Area	239 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1032 BAINBRIDGE RD
City	STEDMAN
State	NC
Zip	28391-9672
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	1.40 ACS A G AVERITT LD
Legal Subdivision	EASTOVER ARMSTRONG STEDMAN DIS
Legal Block	55
Legal Lot Number	7617
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CEDAR CREEK
Census Block Group	1
Census Block	1005
Census Tract	2802

Owner

1032 Bainbridge Rd, a rural home, is owned and occupied by an individual who bought it in November 2002.

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

Owner of Record	Individual Name on File
Mailing Address	1032 BAINBRIDGE RD, STEDMAN, NC 28391-9672
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
Sep 8, 2022	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CU
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage CERTAINTY HOME LOANS LLC
Jul 9, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2002 · Amount on File
Deed Sale	Nov 15, 2002 · Amount on File
Deed Book / Page	5905 / 534
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1032 BAINBRIDGE RD, STEDMAN, NC 28391-9672
Transaction Type	Mortgage
Record Updated	Sep 28, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0115660801
Date	Sep 8, 2022
Book Page	11566/801
Instrument	36312

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1032 BAINBRIDGE RD, STEDMAN, NC 28391-9672
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109160187
Date	Oct 28, 2020
Book Page	10916/187
Instrument	40092

Lender

Name	CERTAINTY HOME LOANS LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1032 BAINBRIDGE RD, STEDMAN, NC 28391-9672
Transaction Type	Mortgage
Record Updated	Aug 22, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0111790613
Date	Jul 9, 2021
Book Page	11179/613
Instrument	31711

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 1032 Bainbridge Rd was $2,293.

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	$2,293.00
2025	$2,293.00 (+25.37%)	$207,213 (+38.73%) Land $36,250 Building $170,963	$207,213 (+38.73%) Land $36,250 Building $170,963
2024	$1,829.00 (+2.06%)	$149,366 (-) Land $20,000 Building $129,366	$149,366 (-) Land $20,000 Building $129,366
2023	$1,792.00 (+2.11%)	$149,366 Land $20,000 Building $129,366	$149,366 Land $20,000 Building $129,366
2022	$1,755.00

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

Flood

FEMA maps place 1032 Bainbridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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	4 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 1032 Bainbridge Rd is moderate, ranking above 40% of the US, with a 0.07% annual chance of wildfire.

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 17 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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