Cumberland County property record for 105 Elfreth Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1980 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $200,000 (Apr 2025) |
| Tax Bill | $2,805 (2026) |
| Deeds & Mortgages | Jan 2026 Mortgage Jun 2023 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-57-1381 |
| Primary APN | 0501-57-1381 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,376 sqft Heated Area |
| 1st Floor Area | 1,376 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 | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 147 ft deep x 84.1 ft wide |
| Garage Area | 308 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 20 sqft |
| Patio Area | 16 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 105 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:77 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 57 |
| Legal Lot Number | 77 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
105 Elfreth Ln is owned and occupied by two individuals who bought it in April 2025.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
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 |
|---|---|
| Jan 8, 2026 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Jun 30, 2023 | Warranty Deed, Transfer · Commercial Mortgage COMMERCIAL LENDER LLC |
| Oct 26, 2020 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Sep 8, 2020 | Warranty Deed, Transfer SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE R/E SVCS INC |
| Jul 10, 2020 | Warranty Deed, Transfer FIRST AMERICAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 30, 2025 · Amount on File |
| Deed Sale | Apr 30, 2025 · Amount on File |
| Prior Sale | Jun 30, 2023 · Amount on File |
| Deed Document Number | 202512543 |
| Deed Book / Page | 12223 / 310 |
| Prior Transfer Date | Oct 1, 2020 |
| Prior Transfer Doc | 0109120837 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Transaction Type | Mortgage |
| Record Updated | Jul 1, 2026 |
| Title Company | SAI SETTLEMENT SERVICES LLC, SUMMIT SETTLEMENT SVCS LLC |
| Name | Verified Name |
|---|---|
| Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0124190047 |
|---|---|
| Date | Jan 8, 2026 |
| Book Page | 12419/47 |
| Instrument | 679 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | 7450 CAMPUS DR STE 200, COLORADO SPRINGS, CO 80920 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Feb 1, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jun 30, 2023 |
| Property Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0117690074 |
| Book / Page | 11769 / 74 |
| Map Reference | MB 44 PG 80 |
| Instrument Date | Jun 29, 2023 |
| Instrument | 20450 |
| Transaction Type | Transfer |
| Record Updated | Jul 10, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $316.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 360 TALL TIMBERS DR, PINEHURST, NC 28374-8130 |
| Name | Verified Name |
|---|---|
| Address | 1408 ARDSLEY CT, FUQUAY VARINA, NC 27526-3239 |
| Document Number | 0000020451 |
|---|---|
| Date | Jun 30, 2023 |
| Instrument | 20451 |
| Name | COMMERCIAL LENDER LLC |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 25 Months |
| Due | Jul 1, 2025 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Oct 26, 2020 |
| Property Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0109120837 |
| Book / Page | 010912 / 000837 |
| Instrument Date | Oct 1, 2020 |
| Instrument | 39606 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2020 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 6349 CAVESON CT FAYETTEVILLE NC 283117100, FAYETTEVILLE, NC 28311-7100 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Sep 8, 2020 |
| Property Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0108680746 |
| Book / Page | 010868 / 000746 |
| Instrument Date | Aug 3, 2020 |
| Instrument | 32573 |
| Transaction Type | Transfer |
| Record Updated | Oct 19, 2020 |
| Title Company | SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE R/E SVCS INC |
| Amount | Amount on Record |
|---|---|
| Tax | $261.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 105 ELFRETH LN SPRING LAKE NC 283903224, SPRING LAKE, NC 28390-3224 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jul 10, 2020 |
| Property Address | 105 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0108160102 |
| Book / Page | 010816 / 000102 |
| Instrument Date | Jul 7, 2020 |
| Instrument | 24217 |
| Transaction Type | Transfer |
| Record Updated | Aug 25, 2020 |
| Title Company | FIRST AMERICAN |
| Amount | Amount on Record |
|---|---|
| Tax | $209.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 2150 E GERMANN RD #1 CHANDLER AZ 852861662, 1, CHANDLER, AZ 85286-1662 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 105 Elfreth Ln was $2,805, up 3.4% from the year before.
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 | $2,805.00 (+3.35%) | ||
| 2025 | $2,714.00 (+41.06%) | $144,291 (+39.02%) Land $28,000 Building $116,291 | $144,291 (+39.02%) Land $28,000 Building $116,291 |
| 2024 | $1,924.00 | $103,793 (-0.11%) Land $15,000 Building $88,793 | $103,793 (-0.11%) Land $15,000 Building $88,793 |
| 2023 | $103,905 (-) Land $15,000 Building $88,905 | $103,905 (-) Land $15,000 Building $88,905 | |
| 2022 | $1,708.00 | $103,905 Land $15,000 Building $88,905 | $103,905 Land $15,000 Building $88,905 |
| 2019 | $1,708.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 105 Elfreth 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 Elfreth Ln is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 46% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.02% 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 232 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 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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