228 Eppingdale Dr, Spring Lake, NC 28390 Property Records

Cumberland County property record for 228 Eppingdale Dr, Spring Lake, NC 28390

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,076 sqft · built 1994
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on Record
Last Sale	$189,000 (Apr 2024)
Tax Bill	$2,328 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`0503-40-6049`

Property Details

APN / Parcel Number

Primary APN	`0503-40-6049`
Alternative APN	`0503.03406049`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,076 sqft Heated Area
1st Floor Area	1,076 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Traditional
Exterior Material	Brick/Stone
Construction Type	Wood
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	134 ft deep x 75 ft wide
Garage Area	356 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	168 sqft
Patio Area	168 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	228 EPPINGDALE DR
City	SPRING LAKE
State	NC
Zip	28390-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R10
Legal Description	BENT TREE OF DEERFIELD LO:116 SE:02 PL:0086-0100
Legal Subdivision	DEERFIELD / BENT TREE
Legal Block	40
Legal Lot Number	116
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	3
Census Block	3017
Census Tract	3602

Owner

Source: Cumberland County records, as of October 16, 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	228 EPPINGDALE DR, SPRING LAKE, NC 28390-1525
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2024	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Oct 5, 2023	Warranty Deed, Transfer TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC
Oct 5, 2023	Warranty Deed, Transfer TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC
Aug 26, 2020	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2024 · Amount on Record
Deed Sale	Apr 9, 2024 · Amount on Record
Prior Sale	Oct 5, 2023 · Amount on Record
Deed Document Number	20249999
Deed Book / Page	11944 / 638
Prior Transfer Date	Mar 13, 2013
Prior Transfer Doc	0091400471
Record Updated	Oct 29, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	228 EPPINGDALE DR, SPRING LAKE, NC 28390-1525
Transaction Type	Mortgage
Record Updated	Jul 1, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1639 BORREGO DR SE, ALBUQUERQUE, NM 87123-2692

Mortgage

Document Number	0119440641
Date	Apr 9, 2024
Book Page	11944/641
Instrument	10000

Lender

Name	NAVY FCU
Type	Credit Union
Address	820 FOLLIN LN SE, VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2029
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	5-Year CMT
Margin	2
Max Rate	10.6%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Oct 5, 2023
Property Address	228 EPPINGDALE DR, SPRING LAKE, NC 28390-1525
Document Number	0118340588
Book / Page	11834 / 588
Map Reference	MB 86 PG 100
Instrument Date	Oct 3, 2023
Instrument	31455
Transaction Type	Transfer
Record Updated	Jul 1, 2026
Title Company	TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC

Transaction

Amount	Amount Recorded
Tax	$336.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 ASHCOTT DR, ANGIER, NC 27501-6124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Oct 5, 2023
Property Address	228 EPPINGDALE DR, SPRING LAKE, NC 28390-1525
Document Number	0118340588
Book / Page	11834 / 588
Map Reference	MB 86 PG 100
Instrument Date	Oct 3, 2023
Instrument	31455
Transaction Type	Transfer
Record Updated	Oct 13, 2023
Title Company	TITLEVEST AGENCY INC, TITLEVEST AGENCY LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	46 ASHCOTT DR, ANGIER, NC 27501-6124

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2150 E GERMANN RD STE 1, 1, CHANDLER, AZ 85286-1662
Investor	Possibly a Property Investor

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	228 EPPINGDALE DR, SPRING LAKE, NC 28390-1525
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	VYLLA TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108570899
Date	Aug 26, 2020
Book Page	10857/899
Instrument	30838

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

Tax Assessment & Valuation

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
2025	$2,328.00 (+42.91%)	$138,191 (+46.39%) Land $30,000 Building $108,191	$138,191 (+46.39%) Land $30,000 Building $108,191
2024		$94,398 (-) Land $14,000 Building $80,398	$94,398 (-) Land $14,000 Building $80,398
2023	$1,629.00	$94,398 Land $14,000 Building $80,398	$94,398 Land $14,000 Building $80,398
2022	$1,629.00 (+1.81%)
2019	$1,600.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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	4 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 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach

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 117 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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