Cumberland County property record for 109 Carmichael Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,230 sqft · built 1978 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,783 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-58-7009 |
| Primary APN | 0501-58-7009 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,230 sqft Heated Area |
| 1st Floor Area | 1,230 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 | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 95 ft deep x 50 ft wide |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 109 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:46 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 58 |
| Legal Lot Number | 46 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
109 Carmichael Ln, a single family home, is owned by an individual.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 115 NORTHVIEW DR, FAYETTEVILLE, NC 28303-4968 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
The 2026 property tax bill for 109 Carmichael Ln was $2,783.
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 | $2,783.00 | ||
| 2025 | $2,783.00 | $134,646 (+42.78%) Land $28,000 Building $106,646 | $134,646 (+42.78%) Land $28,000 Building $106,646 |
| 2024 | $94,302 (-) Land $15,000 Building $79,302 | $94,302 (-) Land $15,000 Building $79,302 | |
| 2023 | $1,638.00 | $94,302 Land $15,000 Building $79,302 | $94,302 Land $15,000 Building $79,302 |
| 2022 | $1,638.00 | ||
| 2019 | $1,609.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 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 109 Carmichael Ln is moderate, ranking above 46% of the US, with a 0.07% 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 | 0.07% 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 |
5G (outdoors only) and 4G LTE
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