Cumberland County property record for 113 Elfreth Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,266 sqft · built 1988 |
| Lot Size | 0.24 acres (10,454 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $82,000 (May 2018) |
| Tax Bill | $2,428 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage May 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-57-4381 |
| Primary APN | 0501-57-4381 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,266 sqft Heated Area |
| 1st Floor Area | 1,266 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,454 sqft (0.24 acres) |
| Lot Dimensions | 140 ft deep x 75 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 126 sqft |
| Deck Area | 168 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 113 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:81 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 57 |
| Legal Lot Number | 81 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
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 Record |
|---|---|
| Mailing Address | 113 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 14, 2021 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| May 23, 2018 | Quit Claim Deed, Transfer NAVY FCU |
| May 23, 2018 | Warranty Deed, Transfer NAVY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 23, 2018 · Amount on Record |
| Deed Sale | May 23, 2018 · Amount on Record |
| Deed Document Number | 201815420 |
| Deed Book / Page | 10310 / 158 |
| Prior Transfer Date | May 17, 2018 |
| Prior Transfer Doc | 0103100162 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 113 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0111530732 |
|---|---|
| Date | Jun 14, 2021 |
| Book Page | 11153/732 |
| Instrument | 27513 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | May 23, 2018 |
| Property Address | 113 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0103100160 |
| Book / Page | 010310 / 000160 |
| Instrument Date | May 14, 2018 |
| Instrument | 15421 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | SINGLE SOURCE R/E SERVICES INC, SINGLE SOURCE R/E SVCS INC |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 ELFRETH LN SPRING LAKE NC 283903224, SPRING LAKE, NC 28390-3224 |
| Document Number | 103100162 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 010310/000162 |
| Instrument | 15422 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 22, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | May 23, 2018 |
| Property Address | 113 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0103100158 |
| Book / Page | 010310 / 000158 |
| Instrument Date | May 8, 2018 |
| Instrument | 15420 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $164.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 113 ELFRETH LN SPRING LAKE NC 283903224, SPRING LAKE, NC 28390-3224 |
| Document Number | 103100162 |
|---|---|
| Date | May 23, 2018 |
| Book Page | 010310/000162 |
| Instrument | 15422 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | May 22, 2048 |
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 | $2,428.00 | ||
| 2025 | $2,428.00 (+31.53%) | $136,884 (+43.68%) Land $28,000 Building $108,884 | $136,884 (+43.68%) Land $28,000 Building $108,884 |
| 2024 | $1,846.00 (+11.07%) | $95,269 (-) Land $15,000 Building $80,269 | $95,269 (-) Land $15,000 Building $80,269 |
| 2023 | $1,662.00 | $95,269 Land $15,000 Building $80,269 | $95,269 Land $15,000 Building $80,269 |
| 2022 | $1,662.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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