Cumberland County property record for 118 Elfreth Ln, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 836 sqft · built 1980 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $155,000 (Mar 2023) |
| Tax Bill | $2,405 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage Mar 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-57-6124 |
| Primary APN | 0501-57-6124 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 836 sqft Heated Area |
| 1st Floor Area | 836 sqft |
| Utility Area | 40 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 140 ft deep x 72 ft wide |
| Garage Area | 216 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 118 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:88 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 57 |
| Legal Lot Number | 88 |
| 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 shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 23, 2026 | Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC |
| Mar 10, 2023 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 24, 2022 | Warranty Deed, Transfer · Conventional Mortgage ANGEL OAK MORTGAGE SOLUTIONS LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 10, 2023 · Amount on Record |
| Deed Sale | Mar 10, 2023 · Amount on Record |
| Prior Sale | Jun 24, 2022 · Amount on Record |
| Deed Document Number | 20237253 |
| Deed Book / Page | 11688 / 715 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jul 23, 2026 |
| Property Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0000024665 |
| Book / Page | 12583 / 165 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 202624665 |
| Transaction Type | Mortgage |
| Record Updated | Aug 3, 2026 |
| Title Company | ROCKET TITLE, ROCKET CLOSE |
| Name | Verified Name |
|---|---|
| Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0000024665, |
|---|---|
| Date | Jul 23, 2026 |
| Book Page | 12583/165 |
| Instrument | 202624665 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate | 6.49% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Mar 10, 2023 |
| Property Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0116880715 |
| Book / Page | 11688 / 715 |
| Map Reference | MB 44 PG 80 |
| Instrument Date | Mar 3, 2023 |
| Instrument | 7253 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $310.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4013 CROWFIELD DR, RALEIGH, NC 27610-5343 |
| Name | Verified Name |
|---|---|
| Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0000007254 |
|---|---|
| Date | Mar 10, 2023 |
| Instrument | 7254 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jun 24, 2022 |
| Property Address | 118 ELFRETH LN, SPRING LAKE, NC 28390-3224 |
| Document Number | 0115060042 |
| Book / Page | 11506 / 42 |
| Map Reference | MB 44 PG 80 |
| Instrument Date | May 18, 2022 |
| Instrument | 25740 |
| Transaction Type | Transfer |
| Record Updated | Jul 8, 2022 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $270.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 3746 ROUTE DD, 3746, NOEL, MO 64854-9397 |
| Name | Verified Name |
|---|---|
| Address | 1176 HERITAGE GREENS DR # 204-00, 204-00, WAKE FOREST, NC 27587-4381 |
| Document Number | 0000025741 |
|---|---|
| Date | Jun 24, 2022 |
| Instrument | 25741 |
| Name | ANGEL OAK MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2052 |
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 | $2,405.00 | ||
| 2025 | $2,405.00 (+62.17%) | $105,328 (+39.53%) Land $28,000 Building $77,328 | $105,328 (+39.53%) Land $28,000 Building $77,328 |
| 2024 | $1,483.00 (+11.76%) | $75,487 (+0.58%) Land $15,000 Building $60,487 | $75,487 (+0.58%) Land $15,000 Building $60,487 |
| 2023 | $1,327.00 | $75,055 Land $15,000 Building $60,055 | $75,055 Land $15,000 Building $60,055 |
| 2022 | $1,327.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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