1515 Mack St, Spring Lake, NC 28390 Property Records

Cumberland County property record for 1515 Mack St, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 2009
Lot Size	0.26 acres (11,326 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jan 2026)
Tax Bill	$3,117 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Aug 2021 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0502-43-1116`

Property Details

APN / Parcel Number

Primary APN	`0502-43-1116`
Alternative APN	`0502.14431116`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,260 sqft Heated Area
1st Floor Area	1,260 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	143 ft deep x 145 ft wide
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	1515 MACK ST
City	SPRING LAKE
State	NC
Zip	28390-2513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	HOLLY HILL LO:17A SE:05 BL:C PL:0032-0010
Legal Subdivision	HOLLY HILLS
Legal Block	C
Legal Lot Number	17
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	2
Census Block	2003
Census Tract	3601

Owner

1515 Mack St is owned by two individuals who bought it in January 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	44 PINE HILL CT, SPRING LAKE, NC 28390-7011
Owner Type	Individual
Vesting	Husband and Wife

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 11, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SELF HELP CREDIT UNION
Jan 14, 2026	Warranty Deed, Transfer · Conventional Mortgage INTEGRITY HOME MORTGAGE CORP
Jan 3, 2024	Intrafamily Transfer, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 14, 2026 · Amount on File
Deed Sale	Jan 14, 2026 · Amount on File
Prior Sale	Jul 9, 2025 · Amount on File
Deed Document Number	20261294
Deed Book / Page	12422 / 765
Prior Transfer Date	Dec 28, 2023
Prior Transfer Doc	0118850009
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1515 MACK ST, SPRING LAKE, NC 28390-2513
Transaction Type	Mortgage
Record Updated	May 7, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 MACK ST, SPRING LAKE, NC 28390-2513

Mortgage

Document Number	0112230788
Date	Aug 20, 2021
Book Page	11223/788
Instrument	38905

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	331 Months
Due	Mar 1, 2049

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	1515 MACK ST, SPRING LAKE, NC 28390-2513
Transaction Type	Mortgage
Record Updated	May 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 MACK ST, SPRING LAKE, NC 28390-2513

Mortgage

Document Number	0112130551
Date	Aug 11, 2021
Book Page	11213/551
Instrument	37237

Lender

Name	SELF HELP CREDIT UNION
Type	Non-Lending Institution
Address	DURHAM, NC 27701

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	331 Months
Due	Mar 1, 2049

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jan 14, 2026
Property Address	1515 MACK ST, SPRING LAKE, NC 28390-2513
Document Number	0124220765
Book / Page	12422 / 765
Map Reference	MB 32 PG 10
Instrument Date	Jan 12, 2026
Instrument	1294
Transaction Type	Transfer
Record Updated	Jan 23, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	555 LEMONT DR, RAEFORD, NC 28376-9318

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	44 PINE HILL CT, SPRING LAKE, NC 28390-7011

Mortgage

Document Number	0000001295
Date	Jan 14, 2026
Instrument	1295

Lender

Name	INTEGRITY HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2056

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CUMBERLAND NC
Recording Date	Jan 3, 2024
Property Address	1515 MACK ST, SPRING LAKE, NC 28390-2513
Document Number	0118850005
Book / Page	11885 / 5
Map Reference	MB 32 PG 10
Instrument Date	Dec 28, 2023
Instrument	122
Transaction Type	Transfer
Record Updated	Jan 15, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1515 MACK ST, SPRING LAKE, NC 28390-2513

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 MACK ST, SPRING LAKE, NC 28390-2513

Mortgage

Document Number	0118850009
Date	Jan 3, 2024
Book Page	11885/9
Instrument	123

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	6561 IRVINE CENTER DR, IRVINE, CA 92618

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 1, 2039

Tax Assessment & Valuation

The 2026 property tax bill for 1515 Mack St was $3,117.

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	$3,117.00
2025	$3,117.00 (+65.89%)	$154,252 (+39.85%) Land $25,000 Building $129,252	$154,252 (+39.85%) Land $25,000 Building $129,252
2024	$1,879.00 (+10.99%)	$110,296 (-) Land $11,000 Building $99,296	$110,296 (-) Land $11,000 Building $99,296
2023	$1,693.00	$110,296 Land $11,000 Building $99,296	$110,296 Land $11,000 Building $99,296
2022	$1,693.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1515 Mack St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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.

Wildfire

Wildfire risk around 1515 Mack St is moderate, ranking above 44% of the US, with a 0.08% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 112 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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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