108 Carmichael Ln, Spring Lake, NC 28390 Property Records

Cumberland County property record for 108 Carmichael Ln, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,208 sqft · built 1979
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2025)
Tax Bill	$2,983 (2026)
Deeds & Mortgages	Jul 2025 Sale & Mortgage Jan 2025 Sale & Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0501-57-5920`

Property Details

APN / Parcel Number

Primary APN	`0501-57-5920`
Alternative APN	`0501.07575920`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,208 sqft Heated Area
1st Floor Area	1,208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Traditional
Exterior Material	Wood Siding
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	125 ft deep x 80 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	88 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	108 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:50 SE:01 PL:0044-0080
Legal Subdivision	MANCHESTER FOREST
Legal Block	57
Legal Lot Number	50
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	1
Census Block	1003
Census Tract	3501

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2025	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Jan 8, 2025	Warranty Deed, Transfer · Line of Credit TRIDENT REALTY INVESTMENTS LLC
Jul 18, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Apr 10, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 10, 2025 · Amount on Record
Deed Sale	Jul 10, 2025 · Amount on Record
Prior Sale	Jan 8, 2025 · Amount on Record
Deed Document Number	202520798
Deed Book / Page	12278 / 737
Prior Transfer Date	Jul 13, 2022
Prior Transfer Doc	0115240640
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 10, 2025
Property Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220
Document Number	0122780737
Book / Page	12278 / 737
Map Reference	MB 44 PG 80
Instrument Date	May 5, 2025
Instrument	20798
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2620 N AUSTRALIAN AVE, WEST PALM BEACH, FL 33407-5626

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220

Mortgage

Document Number	0000020799
Date	Jul 10, 2025
Instrument	20799

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2055

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jan 8, 2025
Property Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220
Document Number	0121450275
Book / Page	12145 / 275
Map Reference	MB 44 PG 80
Instrument Date	Dec 26, 2024
Instrument	601
Transaction Type	Transfer
Record Updated	Dec 19, 2025

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$302.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1242 COOL SPRINGS RD, LILLINGTON, NC 27546-8806

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220

Mortgage

Document Number	0000000602
Date	Jan 8, 2025
Instrument	602

Lender

Name	TRIDENT REALTY INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Feb 1, 2026

July 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 18, 2022
Property Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220
Document Number	0115240640
Book / Page	11524 / 640
Map Reference	MB 44 PG 80
Instrument Date	Jul 13, 2022
Instrument	28953
Transaction Type	Transfer
Record Updated	Jul 29, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	108 CARMICHAEL LN, 108, SPRING LAKE, NC 28390-3220

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220

Mortgage

Document Number	0000028954
Date	Jul 18, 2022
Instrument	28954

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2037

April 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Apr 10, 2019
Property Address	108 CARMICHAEL LN, SPRING LAKE, NC 28390-3220
Document Number	0104790570
Book / Page	010479 / 000570
Instrument Date	Apr 3, 2019
Instrument	9981
Transaction Type	Transfer
Record Updated	Apr 24, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	108 CARMICHAEL LN SPRING LAKE NC 283903220, SPRING LAKE, NC 28390-3220

Tax Assessment & Valuation

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	$2,983.00 (+16.8%)
2025	$2,554.00 (+39.18%)	$133,783 (+41.17%) Land $28,000 Building $105,783	$133,783 (+41.17%) Land $28,000 Building $105,783
2024	$1,835.00 (+11.14%)	$94,765 (-) Land $15,000 Building $79,765	$94,765 (-) Land $15,000 Building $79,765
2023	$1,651.00	$94,765 Land $15,000 Building $79,765	$94,765 Land $15,000 Building $79,765
2022	$1,651.00

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

Flood

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

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	0.07% 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	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 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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Carmichael Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures