Cumberland County property record for 3104 Joye Cir, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,260 sqft · built 1967 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Company Name on Record |
| Last Sale | $32,700 (May 2026) |
| Tax Bill | $717 (2026) |
| Deeds & Mortgages | May 2026 Foreclosure Aug 2018 Loan Modification |
| Flood Zone | Zone A (high risk) |
| APN | 0513-41-8954 |
| Primary APN | 0513-41-8954 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Heated Area |
| 1st Floor Area | 1,000 sqft |
| Basement Area | 260 sqft |
| Finished Basement | 260 sqft |
| Utility Area | 65 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 120 ft deep x 85 ft wide |
| Cooling System | None |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 3104 JOYE CIR |
|---|---|
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-1621 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | OVERHILLS PARK LO:255 SE:04 PL:0029-0081 |
| Legal Subdivision | OVERHILLS PARK |
| Legal Block | 41 |
| Legal Lot Number | 255 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 3 |
| Census Block | 3001 |
| Census Tract | 3602 |
Source: Cumberland County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on Record |
|---|---|
| Mailing Address | PO BOX 1029, HOPE MILLS, NC 28348-1029 |
| Owner Type | Company |
| Vesting | Limited Liability Partnership |
| Date | Document |
|---|---|
| May 12, 2026 | Trustee's Deed, Foreclosure NONE LISTED ON DOCUMENT |
| Aug 10, 2018 | Loan Modification, Mortgage · Conventional with PMI REGIONS MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2026 · Amount on Record |
| Deed Sale | May 12, 2026 · Amount on Record |
| Deed Document Number | 202615399 |
| Deed Book / Page | 12522 / 509 |
| Prior Transfer Date | May 8, 2026 |
| Prior Transfer Doc | 0000015399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | May 12, 2026 |
| Property Address | 3104 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Document Number | 0000015399 |
| Book / Page | 12522 / 509 |
| Instrument Date | May 8, 2026 |
| Instrument | 202615399 |
| Transaction Type | Foreclosure |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $6,605.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 3104 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Document Number | 0103840385 |
| Instrument Date | Aug 10, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2018 |
| Name | Verified Name |
|---|---|
| Address | 3104 JOYE CIR SPRING LAKE NC 283901621, SPRING LAKE, NC 28390-1621 |
| Document Number | 0103840385 |
|---|---|
| Date | Oct 2, 2018 |
| Book Page | 010384/000385 |
| Instrument | 29387 |
| Name | REGIONS MTG |
|---|---|
| Type | Mortgage Company |
| Address | MEMPHIS, TN 38016 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Oct 1, 2058 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6% |
Source: Cumberland County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Unified School District | Cumberland County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $717.00 | ||
| 2025 | $717.00 (+28.49%) | $75,248 (+43.92%) Land $18,000 Building $57,248 | $75,248 (+43.92%) Land $18,000 Building $57,248 |
| 2024 | $558.00 (+7.1%) | $52,285 (-) Land $8,000 Building $44,285 | $52,285 (-) Land $8,000 Building $44,285 |
| 2023 | $521.00 (+7.64%) | $52,285 Land $8,000 Building $44,285 | $52,285 Land $8,000 Building $44,285 |
| 2022 | $484.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone A high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Not determined for this zone |
| Flood Insurance Requirement | Required federally backed loans |
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 56% of the US · above 78% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% 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.
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 227 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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