2106 Bainbridge Rd, Stedman, NC 28391 Property Records

Cumberland County property record for 2106 Bainbridge Rd, Stedman, NC 28391

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,214 sqft · built 1991
Lot Size	1.5 acres (65,340 sqft)
Owner	Individual Name on Record
Last Sale	$178,500 (Apr 2022)
Tax Bill	$1,725 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0497-92-9901`

Property Details

APN / Parcel Number

Primary APN	`0497-92-9901`
Alternative APN	`0497.04929901`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,214 sqft Heated Area
1st Floor Area	1,214 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Traditional
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	65,340 sqft (1.5 acres)
Lot Dimensions	693 ft deep x 100 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	2106 BAINBRIDGE RD
City	STEDMAN
State	NC
Zip	28391-8976
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	JOEL D FAIRCLOTH PROP LO:PT 1 SE:01 PL:0058-0021
Legal Subdivision	EASTOVER ARMSTRONG STEDMAN DIS
Legal Block	92
Legal Lot Number	1
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CEDAR CREEK
Census Block Group	2
Census Block	2019
Census Tract	2802

Owner

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	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2022	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 29, 2022	Warranty Deed, Transfer · VA Mortgage ALPHA MORTGAGE CORP
Apr 9, 2018	Warranty Deed, Transfer · FHA Mortgage SOUTHERN TRUST MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2022 · Amount on Record
Deed Sale	Apr 29, 2022 · Amount on Record
Prior Sale	Apr 9, 2018 · Amount on Record
Deed Document Number	202217766
Deed Book / Page	11460 / 364
Prior Transfer Date	Apr 20, 2009
Prior Transfer Doc	0081470311
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976
Transaction Type	Mortgage
Record Updated	May 8, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976

Mortgage

Document Number	0113770681
Date	Jan 27, 2022
Book Page	11377/681
Instrument	3809

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	316 Months
Due	May 1, 2048

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Apr 29, 2022
Property Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976
Document Number	0114600364
Book / Page	11460 / 364
Instrument Date	Apr 20, 2022
Instrument	17766
Transaction Type	Transfer
Record Updated	May 20, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$357.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	455 DEERPATH DR, 455, FAYETTEVILLE, NC 28311-1229

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976

Mortgage

Document Number	0000017767
Date	Apr 29, 2022
Instrument	17767

Lender

Name	ALPHA MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Apr 9, 2018
Property Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976
Document Number	0102830854
Book / Page	10283 / 854
Instrument Date	Mar 15, 2018
Instrument	10551
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2106 BAINBRIDGE RD, STEDMAN, NC 28391-8976

Mortgage

Document Number	10552
Date	Apr 9, 2018
Instrument	10552

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,725.00
2025	$1,725.00 (+38.55%)	$151,845 (+46.5%) Land $36,250 Building $115,595	$151,845 (+46.5%) Land $36,250 Building $115,595
2024	$1,245.00 (+3.06%)	$103,647 (-) Land $20,000 Building $83,647	$103,647 (-) Land $20,000 Building $83,647
2023	$1,208.00 (+2.9%)	$103,647 Land $20,000 Building $83,647	$103,647 Land $20,000 Building $83,647
2022	$1,174.00

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

Flood

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	3 in force

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

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

Wildfire Risk	Moderate above 46% of the US · above 67% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 33 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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