404 Rutherford St, Spring Lake, NC 28390 Property Records

Cumberland County property record for 404 Rutherford St, Spring Lake, NC 28390

Property Summary

Property Type	Rural Home
Details	3 bd · 2 ba · 1,820 sqft · built 1964
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,000 (May 2019)
Tax Bill	$2,908 (2026)
Deeds & Mortgages	May 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0501-94-6354`

Property Details

APN / Parcel Number

Primary APN	`0501-94-6354`
Alternative APN	`0501.16946354`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,820 sqft Heated Area
1st Floor Area	910 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	157 ft deep x 73.5 ft wide
Garage Area	364 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	100 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	404 RUTHERFORD ST
City	SPRING LAKE
State	NC
Zip	28390-3623
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R10
Legal Description	HARRILL LO:26 SE:01 PL:0016-0033
Legal Subdivision	TOWN OF SPRING LAKE
Legal Block	94
Legal Lot Number	26
Jurisdiction	CUMBERLAND NC
Township / Civil Division	MANCHESTER
Census Block Group	2
Census Block	2002
Census Tract	3502

Owner

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	2 Individual Names on Record
Mailing Address	404 RUTHERFORD ST, SPRING LAKE, NC 28390-3623
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 24, 2019 · Amount on Record
Deed Sale	May 24, 2019 · Amount on Record
Deed Document Number	201915397
Deed Book / Page	10507 / 723
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	May 24, 2019
Property Address	404 RUTHERFORD ST, SPRING LAKE, NC 28390-3623
Document Number	0105070723
Book / Page	10507 / 723
Instrument Date	May 22, 2019
Instrument	15397
Transaction Type	Transfer
Record Updated	Sep 14, 2021
Title Company	ATTORNEY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Default Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 RUTHERFORD ST, SPRING LAKE, NC 28390-3623

Mortgage

Document Number	15398
Date	May 24, 2019
Instrument	15398

Lender

Name	SOUTHERN TRUST MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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
2026	$2,908.00
2025	$2,908.00 (+58.73%)	$136,642 (+47.73%) Land $5,750 Building $130,892	$136,642 (+47.73%) Land $5,750 Building $130,892
2024	$1,832.00 (+11.17%)	$92,497 (-) Land $3,250 Building $89,247	$92,497 (-) Land $3,250 Building $89,247
2023	$1,648.00	$92,497 Land $3,250 Building $89,247	$92,497 Land $3,250 Building $89,247
2022	$1,648.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 43% of the US · above 64% of North Carolina
Wildfire Likelihood	0.06% 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.

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 261 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20