106 Ryan Cir, Spring Lake, NC 28390 Property Records

Cumberland County property record for 106 Ryan Cir, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,340 sqft · built 1992
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$122,000 (Jul 2017)
Tax Bill	$3,159 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage Mar 2017 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0501-39-5187`

Property Details

APN / Parcel Number

Primary APN	`0501-39-5187`
Alternative APN	`0501.06395187`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,340 sqft Heated Area
1st Floor Area	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Traditional
Exterior Material	Wood Siding
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	140 ft deep x 70.2 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	20 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	106 RYAN CIR
City	SPRING LAKE
State	NC
Zip	28390-3172
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PND
Legal Description	LAKETREE LO:119 SE:02 PL:0080-0005
Legal Subdivision	LAKETREE
Legal Block	39
Legal Lot Number	119
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3009
Census Tract	3501

Owner

106 Ryan Cir is owned and occupied by an individual who bought it in July 2017.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	106 RYAN CIR, SPRING LAKE, NC 28390-3172
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2017	Warranty Deed, Transfer · Conventional Mortgage MOVEMENT MORTGAGE LLC
Mar 21, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BETTY STOUT
Mar 8, 2017	Grant Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 28, 2017 · Amount on File
Deed Sale	Jul 28, 2017 · Amount on File
Prior Sale	Oct 18, 2016 · Amount on File
Deed Document Number	201723941
Deed Book / Page	10139 / 837
Prior Transfer Date	Oct 17, 2016
Prior Transfer Doc	0099650144
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 28, 2017
Property Address	106 RYAN CIR, SPRING LAKE, NC 28390-3172
Document Number	0101390837
Book / Page	10139 / 837
Instrument Date	Jul 17, 2017
Instrument	23941
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	106 RYAN CIR, SPRING LAKE, NC 28390-3172

Mortgage

Document Number	23942
Date	Jul 28, 2017
Instrument	23942

Lender

Name	MOVEMENT MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

March 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Mar 21, 2017
Property Address	106 RYAN CIR, SPRING LAKE, NC 28390-3172
Document Number	0100570596
Book / Page	01005 / 000596
Instrument Date	Mar 16, 2017
Instrument	8854
Transaction Type	Construction Loan
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 53798 FAYETTEVILLE NC 283053798, FAYETTEVILLE, NC 28305-3798
Investor	Possibly a Property Investor

Mortgage

Document Number	100570596
Date	Mar 21, 2017
Book Page	010057/000596
Instrument	8854

Lender

Name	BETTY STOUT
Address	507 HARLOW DR, FAYETTEVILLE, NC 28314-2616

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 20, 2018

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Mar 8, 2017
Property Address	106 RYAN CIR, SPRING LAKE, NC 28390-3172
Document Number	0100500851
Book / Page	010050 / 000851
Instrument Date	Mar 7, 2017
Instrument	7523
Transaction Type	Transfer
Record Updated	Mar 20, 2017
Title Company	NOT AVAILABLE

Transaction

Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 53798 FAYETTEVILLE NC 283053798, FAYETTEVILLE, NC 28305-3798

Tax Assessment & Valuation

The 2026 property tax bill for 106 Ryan Cir was $3,159.

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Municipality	Spring Lake Town
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,159.00
2025	$3,159.00 (+43.98%)	$146,902 (+40.63%) Land $28,000 Building $118,902	$146,902 (+40.63%) Land $28,000 Building $118,902
2024	$2,194.00 (+10.25%)	$104,463 (-) Land $18,000 Building $86,463	$104,463 (-) Land $18,000 Building $86,463
2023	$1,990.00	$104,463 Land $18,000 Building $86,463	$104,463 Land $18,000 Building $86,463
2022	$1,990.00

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

Flood

FEMA maps place 106 Ryan Cir in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 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

Wildfire risk around 106 Ryan Cir is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 95% of North Carolina
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 216 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

Cell Coverage

5G (outdoors only) and 4G LTE

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