1038 Riverside Cir, Spring Lake, NC 28390 Property Records

Cumberland County property record for 1038 Riverside Cir, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,174 sqft · built 1966
Lot Size	0.29 acres (12,632 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Feb 2023)
Tax Bill	$1,390 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`9592-66-9391`

Property Details

APN / Parcel Number

Primary APN	`9592-66-9391`
Alternative APN	`9592.02669391`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,174 sqft Heated Area
1st Floor Area	1,174 sqft
Utility Area	60 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	12,632 sqft (0.29 acres)
Lot Dimensions	150 ft deep x 85 ft wide
Garage Type	Carport
Garage Area	216 sqft
Carport	Carport
Carport Area	216 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	260 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1038 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:6 SE:03 BL:B PL:0031-0031
Legal Subdivision	BRAGG ESTATES
Legal Block	B
Legal Lot Number	6
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1012
Census Tract	3602

Owner

1038 Riverside Cir is owned and occupied by an individual who bought it in February 2023.

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

Owner of Record	Individual Name on File
Mailing Address	1038 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
Feb 24, 2023	Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU
Aug 29, 2022	Warranty Deed, Transfer
Feb 22, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2023 · Amount on File
Deed Sale	Feb 24, 2023 · Amount on File
Prior Sale	Aug 29, 2022 · Amount on File
Deed Document Number	20235565
Deed Book / Page	11678 / 393
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Feb 24, 2023
Property Address	1038 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0116780393
Book / Page	11678 / 393
Map Reference	MB 31 PG 31
Instrument Date	Feb 13, 2023
Instrument	5565
Transaction Type	Transfer
Record Updated	Mar 7, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$354.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	328 COURTYARD LN, FAYETTEVILLE, NC 28303-6104

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

Mortgage

Document Number	0000005566
Date	Feb 24, 2023
Instrument	5566

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.9%
Type Change Date	Mar 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.9%
Max Rate At Change	7.9%
Index	5-Year TN
Max Rate	11.9%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Aug 29, 2022
Property Address	1038 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0115580890
Book / Page	11558 / 890
Map Reference	MB 31 PG 31
Instrument Date	Aug 4, 2022
Instrument	34993
Transaction Type	Transfer
Record Updated	Sep 9, 2022

Transaction

Amount	Amount on Record
Tax	$136.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	228 PARK AVE S, 228, NEW YORK, NY 10003-1502

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1038 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Feb 22, 2021
Property Address	1038 RIVERSIDE CIR, SPRING LAKE, NC 28390-9542
Document Number	0110320710
Book / Page	11032 / 710
Map Reference	MB 31 PG 31
Instrument Date	Feb 19, 2021
Instrument	8003
Transaction Type	Transfer
Record Updated	Sep 14, 2021

Transaction

Amount	Amount on Record
Tax	$101.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1038 RIVERSIDE CIR, 1038, SPRING LAKE, NC 28390-9542

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 PARK AVE S # 73833, 73833, NEW YORK, NY 10003-1502
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 1038 Riverside Cir was $1,390.

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	$1,390.00
2025	$1,390.00 (+37.76%)	$137,967 (+37.24%) Land $15,000 Building $122,967	$137,967 (+37.24%) Land $15,000 Building $122,967
2024	$1,009.00 (+30.53%)	$100,527 (+22.31%) Land $7,000 Building $93,527	$100,527 (+22.31%) Land $7,000 Building $93,527
2023	$773.00 (+5.03%)	$82,189 Land $7,000 Building $75,189	$82,189 Land $7,000 Building $75,189
2022	$736.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1038 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 1038 Riverside Cir is moderate, ranking above 56% 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 56% of the US · above 78% 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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