Cumberland County property record for 3291 River Rd, Wade, NC 28395
| Property Type | Mobile Home |
|---|---|
| Details | 3 bd · 2 ba · 1,323 sqft · built 2001 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $965 (2025) |
| Deeds & Mortgages | Jan 2026 Mortgage Oct 2022 Mortgage + 1 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 0540-70-2379 |
| Primary APN | 0540-70-2379 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,323 sqft Heated Area |
| 1st Floor Area | 1,323 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2001 |
|---|---|
| Architectural Style | Modular |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Dimensions | 179 ft deep x 110 ft wide |
| Porch | Finished/Screened Porch |
|---|---|
| Porch Area | 120 sqft |
| Deck Area | 72 sqft |
| Patio Area | 72 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 0540.04702379 |
|---|---|
| Street Address | 3291 RIVER RD |
| City | WADE |
| State | NC |
| Zip | 28395-8635 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | RR |
| Legal Description | 0.43 ACS J A GARDNER LD IMP |
| Legal Subdivision | EASTOVER ARMSTRONG STEDMAN DIS |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | EASTOVER |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 2600 |
Source: Cumberland County records · APN 0540-70-2379
Assessment roll updated January 1, 2025 · Last verified December 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3291 RIVER RD, WADE, NC 28395-8635 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2026 | Deed of Trust, Mortgage · VA Mortgage INDEPENDENCE HOME LOANS LLC |
| Oct 27, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Oct 26, 2018 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Transfer Date | Oct 26, 2018 |
| Transfer Doc | 0103960697 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 3291 RIVER RD, WADE, NC 28395-8635 |
| Transaction Type | Mortgage |
| Record Updated | Feb 02, 2026 |
| Title Company | UNISOURCE NATIONAL LENDER SERVICES LL, UNISOURCE NATL LENDER SVCS |
| Name | Verified Name |
|---|---|
| Address | 3291 RIVER RD, WADE, NC 28395-8635 |
| Document Number | 0124290701 |
|---|---|
| Date | Jan 23, 2026 |
| Book Page | 12429/701 |
| Instrument | 2336 |
| Name | INDEPENDENCE HOME LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | 4343 N SCOTTSDALE RD STE 100, SCOTTSDALE, AZ 85251 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 3291 RIVER RD, WADE, NC 28395-8635 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2022 |
| Title Company | CLOSING USA LLC |
| Name | Verified Name |
|---|
| Document Number | 0116040351 |
|---|---|
| Date | Oct 27, 2022 |
| Book Page | 11604/351 |
| Instrument | 42548 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2037 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Oct 26, 2018 |
| Property Address | 3291 RIVER RD, WADE, NC 28395-8635 |
| Document Number | 0103960697 |
| Book / Page | 010396 / 000697 |
| Instrument Date | May 29, 2018 |
| Instrument | 31727 |
| Transaction Type | Transfer |
| Record Updated | Nov 13, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3291 RIVER RD WADE NC 283958635, WADE, NC 28395-8635 |
Source: Cumberland County records · Assessment roll updated January 1, 2025 · Last verified December 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Unified School District | Cumberland County Schools (KG - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $965.00 (+227.12%) | $81,841 (+43.13%) Land $14,500 Building $67,341 | $81,841 (+43.13%) Land $14,500 Building $67,341 |
| 2024 | $295.00 (+14.34%) | $57,180 (-) Land $8,000 Building $49,180 | $57,180 (-) Land $8,000 Building $49,180 |
| 2023 | $258.00 (+16.74%) | $57,180 Land $8,000 Building $49,180 | $57,180 Land $8,000 Building $49,180 |
| 2022 | $221.00 |
Source: FEMA National Flood Hazard Layer, Cumberland County (37051C), as of March 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370510026002, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 50 policies |
| Community Rating System | Class 8 (10% premium discount) |
| Nearby Flood Policies | 50 in force |
| Nearby Flood Claims | 25 (1984–2020) |
| Claims Outside the SFHA | 19 of 25 |
| Most Recent Claim | Jun 2020 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Moderate above 60% of the US · above 82% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.1% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 9 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System, water system NC0326010, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FAYETTEVILLE PUBLIC WORKS COMM serves 226,441 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2026–2028) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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