Cumberland County property record for 105 Carmichael Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,200 sqft · built 1978 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $112,000 (May 2018) |
| Tax Bill | $2,674 (2026) |
| Deeds & Mortgages | Dec 2023 Mortgage May 2023 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-58-5027 |
| Primary APN | 0501-58-5027 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,200 sqft Heated Area |
| 1st Floor Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Garage Area | 372 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 24 sqft |
| Patio Area | 140 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 105 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:44 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 58 |
| Legal Lot Number | 44 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
105 Carmichael Ln is owned and occupied by two individuals who bought it in May 2018.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 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 |
|---|---|
| Dec 8, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| May 25, 2023 | Deed of Trust, Mortgage · Loan Assumption NATIONSTAR MORTGAGE LLC |
| May 23, 2023 | Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC |
| Aug 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NATIONSTAR MORTGAGE LLC |
| May 30, 2018 | Warranty Deed, Transfer · FHA Mortgage OVM FINANCIAL INC |
| Feb 5, 2018 | Special Warranty Deed, Transfer · Commercial Mortgage LUMBEE GUARANTY BANK |
| Jul 3, 2017 | Grant Deed, Foreclosure |
| Jun 20, 2017 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 30, 2018 · Amount on File |
| Deed Sale | May 30, 2018 · Amount on File |
| Prior Sale | Jun 20, 2017 · Amount on File |
| Deed Document Number | 201816129 |
| Deed Book / Page | 10314 / 168 |
| Prior Transfer Date | Jun 16, 2017 |
| Prior Transfer Doc | 0101140711 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Transaction Type | Mortgage |
| Record Updated | Dec 14, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0118710314 |
|---|---|
| Date | Dec 8, 2023 |
| Book Page | 11871/314 |
| Instrument | 37688 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | 999 TECH ROW STE 200, MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Transaction Type | Mortgage |
| Record Updated | Jun 6, 2023 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|
| Document Number | 0117410227 |
|---|---|
| Date | May 25, 2023 |
| Book Page | 11741/227 |
| Instrument | 15935 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Loan Assumption |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2023 |
| Name | Verified Name |
|---|---|
| Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0117390451 |
|---|---|
| Date | May 23, 2023 |
| Book Page | 11739/451 |
| Instrument | 15640 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | VYLLA TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0108390723 |
|---|---|
| Date | Aug 6, 2020 |
| Book Page | 10839/723 |
| Instrument | 27935 |
| Name | NATIONSTAR MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | May 30, 2018 |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0103140168 |
| Book / Page | 10314 / 168 |
| Instrument Date | May 24, 2018 |
| Instrument | 16129 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Title Company | SINGLE SOURCE REAL EST SVCS |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 16130 |
|---|---|
| Date | May 30, 2018 |
| Instrument | 16130 |
| Name | OVM FINANCIAL INC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Feb 5, 2018 |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0102460405 |
| Book / Page | 10246 / 405 |
| Instrument Date | Jan 26, 2018 |
| Instrument | 03428 |
| Transaction Type | Transfer |
| Record Updated | Sep 14, 2021 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 972, HOPE MILLS, NC 28348-0972 |
| Document Number | 0102460407 |
|---|---|
| Date | Feb 5, 2018 |
| Book Page | 10246/407 |
| Instrument | 03429 |
| Name | LUMBEE GUARANTY BANK |
|---|
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 2, 2048 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jul 3, 2017 |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0101240403 |
| Book / Page | 010124 / 000403 |
| Instrument Date | Jun 27, 2017 |
| Instrument | 21025 |
| Transaction Type | Foreclosure |
| Record Updated | Jul 11, 2017 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jun 20, 2017 |
| Property Address | 105 CARMICHAEL LN, SPRING LAKE, NC 28390-3220 |
| Document Number | 0101140711 |
| Book / Page | 010114 / 000711 |
| Instrument Date | Jun 5, 2017 |
| Instrument | 19370 |
| Transaction Type | Foreclosure |
| Record Updated | Jun 23, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $94.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Association |
| Address | 3476 STATEVIEW BLVD FORT MILL SC 297157203, FORT MILL, SC 29715-7203 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 105 Carmichael Ln was $2,674.
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 | $2,674.00 | ||
| 2025 | $2,674.00 (+47.25%) | $142,308 (+53.44%) Land $28,000 Building $114,308 | $142,308 (+53.44%) Land $28,000 Building $114,308 |
| 2024 | $1,816.00 (+11.21%) | $92,747 (-) Land $15,000 Building $77,747 | $92,747 (-) Land $15,000 Building $77,747 |
| 2023 | $1,633.00 | $92,747 Land $15,000 Building $77,747 | $92,747 Land $15,000 Building $77,747 |
| 2022 | $1,633.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 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 105 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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