Cumberland County property record for 3107 Joye Cir, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 936 sqft · built 1967 |
| Lot Size | 0.37 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $39,000 (Sep 2019) |
| Tax Bill | $1,090 (2026) |
| Deeds & Mortgages | Mar 2024 Line of Credit Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 0513-42-8240 |
| Primary APN | 0513-42-8240 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 936 sqft Heated Area |
| 1st Floor Area | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1967 |
| Architectural Style | Traditional |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.37 acres) |
| Lot Dimensions | 145 ft deep x 40.4 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 64 sqft |
| Deck Area | 96 sqft |
| Patio Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 3107 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:252 SE:04 PL:0029-0081 |
| Legal Subdivision | OVERHILLS PARK |
| Legal Block | 42 |
| Legal Lot Number | 252 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 3107 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 27, 2024 | Deed of Trust, Mortgage · Line of Credit NAVY FCU |
| Sep 16, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 16, 2019 · Amount on Record |
| Deed Sale | Sep 16, 2019 · Amount on Record |
| Prior Sale | Oct 1, 2007 · Amount on Record |
| Deed Document Number | 201929261 |
| Deed Book / Page | 10587 / 485 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 3107 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Transaction Type | Mortgage |
| Record Updated | Apr 10, 2024 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 3107 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Document Number | 0119350615 |
|---|---|
| Date | Mar 27, 2024 |
| Book Page | 11935/615 |
| Instrument | 8642 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | 820 FOLLIN LN SE, VIENNA, VA 22180 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 481 Months |
| Due | Apr 1, 2064 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Sep 16, 2019 |
| Property Address | 3107 JOYE CIR, SPRING LAKE, NC 28390-1621 |
| Document Number | 0105870485 |
| Book / Page | 010587 / 000485 |
| Instrument Date | Jul 1, 2019 |
| Instrument | 29261 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $77.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3107 JOYE CIR SPRING LAKE NC 283901621, SPRING LAKE, NC 28390-1621 |
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 | $1,090.00 | ||
| 2025 | $1,090.00 (+54.39%) | $86,292 (+34.5%) Land $18,000 Building $68,292 | $86,292 (+34.5%) Land $18,000 Building $68,292 |
| 2024 | $706.00 (+2.62%) | $64,160 (+1.73%) Land $8,000 Building $56,160 | $64,160 (+1.73%) Land $8,000 Building $56,160 |
| 2023 | $688.00 (+5.68%) | $63,068 Land $8,000 Building $55,068 | $63,068 Land $8,000 Building $55,068 |
| 2022 | $651.00 |
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 X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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.
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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