231 Cavalier Dr, Lumberton, NC 28358 Property Records

Robeson County property record for 231 Cavalier Dr, Lumberton, NC 28358

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,643 sqft · built 1996
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on File
Tax Bill	$552 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Jan 2024 Line of Credit + 1 more
Flood Zone	Zone X (reduced by levee)
APN	`32170202201`

Property Details

APN / Parcel Number

Primary APN	`32170202201`
Alternative APN	`1181983`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,643 sqft Finished Area

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	22,651 sqft (0.52 acres)
Porch	Patio
Deck Area	42 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Account Number	1181983
Street Address	231 CAVALIER DR
City	LUMBERTON
State	NC
Zip	28358-6905
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R15
Legal Description	LT E/S CAVALIER ST
Jurisdiction	ROBESON NC
Township / Civil Division	LUMBERTON
Census Block Group	2
Census Block	2037
Census Tract	960801

Owner

231 Cavalier Dr is owned and occupied by an individual.

Source: Robeson County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	231 CAVALIER DR, LUMBERTON, NC 28358-6905
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Jan 2, 2024	Deed of Trust, Mortgage · Line of Credit LOCAL GOVERNMENT FCU
Jan 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LOCAL GOVERNMENT FCU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROBESON NC
Property Address	231 CAVALIER DR, LUMBERTON, NC 28358-6905
Transaction Type	Mortgage
Record Updated	Apr 14, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 CAVALIER DR, LUMBERTON, NC 28358-6905

Mortgage

Document Number	002570/737
Date	Mar 27, 2026
Book Page	2570/737
Instrument	2026002650

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	5%
Type Change Date	Apr 1, 2031
Change Frequency	5 Years
Min Rate At Change	3%
Max Rate At Change	7%
Index	5-Year TN
Max Rate	11%

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROBESON NC
Property Address	231 CAVALIER DR, LUMBERTON, NC 28358-6905
Transaction Type	Mortgage
Record Updated	Jan 30, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002438/884
Date	Jan 2, 2024
Book Page	2438/884
Instrument	2024000001

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROBESON NC
Property Address	231 CAVALIER DR, LUMBERTON, NC 28358-6905
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE EQUITY GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2265/249
Date	Jan 15, 2021
Book Page	2265/249
Instrument	2021000378

Lender

Name	LOCAL GOVERNMENT FCU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3.87%
Type Change Date	Feb 1, 2026
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	5.87%
Index	5-Year CMT
Margin	2
Max Rate	9.87%

Tax Assessment & Valuation

The 2026 property tax bill for 231 Cavalier Dr was $552.

Source: Robeson County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Robeson County
Municipality	Lumberton City
Unified School District	Robeson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$552.00	$143,400 Land $8,300 Building $135,100	$143,400 Land $8,300 Building $135,100
2023	$974.00	$126,500 (-) Land $7,500 Building $119,000	$126,500 (-) Land $7,500 Building $119,000
2022	$974.00	$126,500 Land $7,500 Building $119,000	$126,500 Land $7,500 Building $119,000

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

Flood

FEMA maps place 231 Cavalier Dr in Zone X, where a levee reduces flood risk, though there have been 118 flood claims nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective June 18, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X reduced by levee · depends on levee performance
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 89 policies
Nearby Flood Policies	89 in force
Nearby Flood Claims	118 (1978–2018)
Claims Outside the SFHA	10 of 118
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 57 claims Hurricane Matthew, Oct 2016 · 45 claims Hurricane Floyd Major Disaster Declarations, Oct 1999 · 6 claims

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 231 Cavalier Dr is low, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Low lower than 62% of the US · above 54% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond 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	CITY OF LUMBERTON serves 24,460 people · EPA ID NC0378010
Water Source	Surface water
Last State Inspection	Sep 2025
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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