Cumberland County property record for 116 Circle Dr, Stedman, NC 28391
| Property Type | Rural Home |
|---|---|
| Details | 3 bd · 1 ba · 1,367 sqft · built 1952 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $75,000 (Nov 2006) |
| Tax Bill | $2,107 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Jan 2022 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 0496-00-4250 |
| Primary APN | 0496-00-4250 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,367 sqft Heated Area |
| Gross Area | 1,847 sqft |
| 1st Floor Area | 1,367 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1952 |
|---|---|
| Effective Year Built | Effective 1952 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 100 ft deep x 150 ft wide |
| Garage Area | 432 sqft |
| Porch | Patio |
| Porch Area | 424 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Street Address | 116 CIRCLE DR |
|---|---|
| City | STEDMAN |
| State | NC |
| Zip | 28391-8518 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | R10 |
| Legal Description | AVERICE FLOWERS HALL HEIRS LO:3 SE:01 PL:0098-0186 |
| Legal Subdivision | TOWN OF STEDMAN |
| Legal Lot Number | 3 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | CEDAR CREEK |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 2801 |
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 | 116 CIRCLE DR, STEDMAN, NC 28391-8518 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 2, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jan 26, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 29, 2006 · Amount on Record |
| Deed Sale | Nov 29, 2006 · Amount on Record |
| Deed Book / Page | 7432 / 207 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Apr 2, 2026 |
| Property Address | 116 CIRCLE DR, STEDMAN, NC 28391-8518 |
| Document Number | 0000010536 |
| Book / Page | 12487 / 858 |
| Instrument Date | Mar 30, 2026 |
| Instrument | 202610536 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 116 CIRCLE DR, STEDMAN, NC 28391-8518 |
| Document Number | 0000010536, |
|---|---|
| Date | Apr 2, 2026 |
| Book Page | 12487/858 |
| Instrument | 202610536 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.98% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 116 CIRCLE DR, STEDMAN, NC 28391-8518 |
| Transaction Type | Mortgage |
| Record Updated | Feb 10, 2022 |
| Title Company | ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0113750751 |
|---|---|
| Date | Jan 26, 2022 |
| Book Page | 11375/751 |
| Instrument | 3529 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
Source: Cumberland County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Municipality | Stedman Town |
| Unified School District | Cumberland County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,107.00 (+5.35%) | ||
| 2025 | $2,000.00 (+41.64%) | $126,857 (+33.27%) Land $15,000 Building $111,857 | $126,857 (+33.27%) Land $15,000 Building $111,857 |
| 2024 | $1,412.00 (+9.29%) | $95,185 (+1.59%) Land $10,000 Building $85,185 | $95,185 (+1.59%) Land $10,000 Building $85,185 |
| 2023 | $1,292.00 (+2.95%) | $93,698 Land $10,000 Building $83,698 | $93,698 Land $10,000 Building $83,698 |
| 2022 | $1,255.00 |
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 · 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 Record median of 10 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 7 (2012–2018) |
| Claims Outside the SFHA | 4 of 7 |
| Most Recent Claim | Sep 2018 · Hurricane Florence |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.05% 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 STEDMAN serves 1,705 people · EPA ID NC0326030 |
|---|---|
| Water Source | Purchased surface water from FAYETTEVILLE PUBLIC WORKS COMM |
| Last State Inspection | Aug 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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 121 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Brightspeed DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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