Moore County property record for 106 Cruden Bay Cir, Pinehurst, NC 28374
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 4 ba · 2,640 sqft · built 1989 |
| Lot Size | 0.254 acres (11,064 sqft) |
| Owner | Individual Name on File |
| Last Sale | $710,000 (Apr 2022) |
| Tax Bill | $4,259 (2026) |
| Deeds & Mortgages | May 2013 Mortgage Oct 2021 Mortgage + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 856216936604 |
| Primary APN | 856216936604 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 4 Baths |
| Plumbing Fixtures | 17 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 2,640 sqft Living Area |
| 1st Floor Area | 2,031 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Conventional |
| Exterior Material | Wood |
| Construction Type | Frame |
| Foundation Type | Footing |
| Roof Material | Rolled Roofing |
| Lot Area | 11,064 sqft (0.254 acres) |
| Porch | Porch |
| Porch Area | 263 sqft |
| Patio Area | 78 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 97056689 |
|---|---|
| Street Address | 106 CRUDEN BAY CIR |
| City | PINEHURST |
| State | NC |
| Zip | 28374-8182 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS2C |
| Legal Description | NATIONAL GOLF CLUB LOT 303 SEC 7 SOUTHERN PINES MUNI CRUDEN |
| Legal Subdivision | SECTION |
| Legal Lot Number | 303 |
| Jurisdiction | MOORE NC |
| Township / Civil Division | 7, MCNEILL |
| Census Block Group | 4 |
| Census Block | 4032 |
| Census Tract | 950801 |
106 Cruden Bay Cir is owned and occupied by an individual who bought it in April 2022.
Source: Moore County records, as of October 9, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| 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 |
|---|---|
| May 13, 2013 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 30, 2007 | Deed of Trust, Mortgage SUNTRUST BANK |
| Aug 24, 2009 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Apr 21, 2022 | Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC |
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jan 31, 2020 | Warranty Deed, Transfer · Conventional Mortgage FIRST CITIZENS BANK & TRUST CO |
| Jul 13, 2007 | Warranty Deed, Subdivision Related Transfer · ARM WACHOVIA MORTGAGE CORP |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 21, 2022 · Amount on File |
| Deed Sale | Apr 21, 2022 · Amount on File |
| Prior Sale | Jan 31, 2020 · Amount on File |
| Deed Document Number | 20226999 |
| Deed Book / Page | 5835 / 398 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOORE NC |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 004204/087 |
|---|---|
| Date | May 13, 2013 |
| Book Page | 4204/087 |
| Instrument | 2013007603 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | HENDERSONVILLE, NC 28792 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jun 1, 2028 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOORE NC |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 005716/193 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 5716/193 |
| Instrument | 2021021984 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOORE NC |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003169/511 |
|---|---|
| Date | Jan 30, 2007 |
| Book Page | 3169/511 |
| Instrument | 2007001931 |
| Name | SUNTRUST BANK |
|---|---|
| Type | Bank |
| Address | ATLANTA, GA 30346 |
| Amount | Amount on Record |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOORE NC |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2026 |
| Name | Verified Name |
|---|
| Document Number | 003622/001 |
|---|---|
| Date | Aug 24, 2009 |
| Book Page | 3622/001 |
| Instrument | 2009013319 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | NEWARK, NJ 07101 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2039 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOORE NC |
| Recording Date | Apr 21, 2022 |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 005835/398 |
| Book / Page | 5835 / 398 |
| Map Reference | CAB 4 SL 32 |
| Instrument Date | Apr 6, 2022 |
| Instrument | 2022006999 |
| Transaction Type | Transfer |
| Record Updated | May 2, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,420.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 110 PENN CAROL LN, 110, SOUTHERN PINES, NC 28387-6700 |
| Name | Verified Name |
|---|---|
| Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 2022007000 |
|---|---|
| Date | Apr 21, 2022 |
| Instrument | 2022007000 |
| Name | GUARANTEED RATE INC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MOORE NC |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Transaction Type | Mortgage |
| Record Updated | Oct 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 5716/193 |
|---|---|
| Date | Oct 4, 2021 |
| Book Page | 5716/193 |
| Instrument | 2021021984 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Address | COLUMBIA, SC 29211 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOORE NC |
| Recording Date | Jan 31, 2020 |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 5264/536 |
| Book / Page | 5264 / 536 |
| Map Reference | CAB 4 SL 32 |
| Instrument Date | Jan 29, 2020 |
| Instrument | 2020001657 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $700.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 75 WOODENBRIDGE LN, 75, PINEHURST, NC 28374-8178 |
| Name | Verified Name |
|---|---|
| Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 2020001658 |
|---|---|
| Date | Jan 31, 2020 |
| Instrument | 2020001658 |
| Name | FIRST CITIZENS BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2035 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MOORE NC |
| Recording Date | Jul 13, 2007 |
| Property Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 003265/560 |
| Book / Page | 3265 / 560 |
| Map Reference | MB4 PG32 |
| Instrument Date | Jun 29, 2007 |
| Instrument | 2007013544 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 9, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $945.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | PO BOX 603, WEST END, NC 27376-0603 |
| Name | Verified Name |
|---|---|
| Address | 106 CRUDEN BAY CIR, PINEHURST, NC 28374-8182 |
| Document Number | 2007013545 |
|---|---|
| Date | Jul 13, 2007 |
| Instrument | 2007013545 |
| Name | WACHOVIA MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Change Frequency | Annually |
| Min Rate At Change | 3.12% |
| Max Rate At Change | 11.7% |
| Index | 1-Year LIBOR |
The 2026 property tax bill for 106 Cruden Bay Cir was $4,259.
Source: Moore County assessment roll, as of August 13, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Moore County |
| Municipality | Southern Pines Town |
| Unified School District | Moore County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,259.00 | $684,260 (-) Land $125,000 Building $559,260 | |
| 2025 | $4,259.00 | $684,260 Land $125,000 Building $559,260 | |
| 2024 | $684,260 (-) Land $125,000 Building $559,260 | ||
| 2023 | $4,499.00 | $684,260 Land $125,000 Building $559,260 | $684,260 Land $125,000 Building $559,260 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 106 Cruden Bay Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · 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 |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Nearby Flood Policies | 10 in force |
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 risk around 106 Cruden Bay Cir is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 46% of the US · above 67% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.08% 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 SOUTHERN PINES serves 24,102 people · EPA ID NC0363010 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Apr 2026 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Lead service line inventory Oct 2024 |
| Monitoring and Reporting | 3 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 103 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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