Cumberland County property record for 209 Duncan Rd, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,314 sqft · built 1978 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Last Sale | $49,000 (Dec 2019) |
| Tax Bill | $2,997 (2026) |
| Deeds & Mortgages | Jun 2021 Mortgage Feb 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-58-5715 |
| Primary APN | 0501-58-5715 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,314 sqft Heated Area |
| 1st Floor Area | 1,314 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 2009 |
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 145 ft deep x 70 ft wide |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 130 sqft |
| Patio Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 209 DUNCAN RD |
|---|---|
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-3103 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PND |
| Legal Description | MANCHESTER FOREST LO:19 SE:01 PL:0044-0080 |
| Legal Subdivision | MANCHESTER FOREST |
| Legal Block | 58 |
| Legal Lot Number | 19 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 3501 |
209 Duncan Rd is owned by an individual who bought it in December 2019.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 709 ROCKY RUN CT, VIRGINIA BEACH, VA 23462-1264 |
| 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.
| Date | Document |
|---|---|
| Jun 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Feb 6, 2020 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Dec 2, 2019 | Trustee's Deed, Foreclosure ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 2, 2019 · Amount on File |
| Deed Sale | Dec 2, 2019 · Amount on File |
| Deed Document Number | 201938696 |
| Deed Book / Page | 10641 / 823 |
| Prior Transfer Date | Nov 12, 2019 |
| Prior Transfer Doc | 0106410823 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 209 DUNCAN RD, SPRING LAKE, NC 28390-3103 |
| Transaction Type | Mortgage |
| Record Updated | Jul 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0111600881 |
|---|---|
| Date | Jun 21, 2021 |
| Book Page | 11160/881 |
| Instrument | 28742 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 209 DUNCAN RD, SPRING LAKE, NC 28390-3103 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0106880748 |
|---|---|
| Date | Feb 6, 2020 |
| Book Page | 10688/748 |
| Instrument | 04436 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Dec 2, 2019 |
| Property Address | 209 DUNCAN RD, SPRING LAKE, NC 28390-3103 |
| Document Number | 0106410823 |
| Book / Page | 010641 / 000823 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 38696 |
| Transaction Type | Foreclosure |
| Record Updated | Dec 19, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount on Record |
|---|---|
| Tax | $98.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1049 BACKWOODS RD VIRGINIA BEACH VA 234556617, VIRGINIA BEACH, VA 23455-6617 |
The 2026 property tax bill for 209 Duncan Rd was $2,997.
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 | $2,997.00 | ||
| 2025 | $2,997.00 (+54.88%) | $155,184 (+54.59%) Land $28,000 Building $127,184 | $155,184 (+54.59%) Land $28,000 Building $127,184 |
| 2024 | $1,935.00 (+10.82%) | $100,381 (-) Land $15,000 Building $85,381 | $100,381 (-) Land $15,000 Building $85,381 |
| 2023 | $1,746.00 | $100,381 Land $15,000 Building $85,381 | $100,381 Land $15,000 Building $85,381 |
| 2022 | $1,746.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 209 Duncan Rd 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 209 Duncan Rd is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 49% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% 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 |
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