405 Stacy St, Stedman, NC 28391 Property Records

Cumberland County property record for 405 Stacy St, Stedman, NC 28391

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,680 sqft · built 2010
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on File
Last Sale	$177,000 (Oct 2023)
Tax Bill	$985 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0485-38-7956`

Property Details

APN / Parcel Number

Primary APN	`0485-38-7956`
Alternative APN	`0485.01387956`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,680 sqft Heated Area
1st Floor Area	1,680 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2010
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Lot Dimensions	170 ft deep x 218 ft wide

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	405 STACY ST
City	STEDMAN
State	NC
Zip	28391-9649
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	A1
Legal Description	STACY R CARR JR LO:2 SE:01 PL:0067-0073
Legal Subdivision	EASTOVER ARMSTRONG STEDMAN DIS
Legal Block	38
Legal Lot Number	2
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CEDAR CREEK
Census Block Group	2
Census Block	2014
Census Tract	2801

Owner

405 Stacy St, a mobile home, is owned and occupied by an individual who bought it in October 2023.

Source: Cumberland County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	405 STACY ST, STEDMAN, NC 28391-9649
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
Oct 18, 2023	Warranty Deed, Transfer · Commercial Mortgage CROSSCOUNTRY MORTGAGE LLC
Jan 15, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jul 3, 2017	Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 18, 2023 · Amount on File
Deed Sale	Oct 18, 2023 · Amount on File
Prior Sale	Jul 3, 2017 · Amount on File
Deed Document Number	202332649
Deed Book / Page	11841 / 793
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Oct 18, 2023
Property Address	405 STACY ST, STEDMAN, NC 28391-9649
Document Number	0118410793
Book / Page	11841 / 793
Map Reference	MB 67 PG 73
Instrument Date	Oct 11, 2023
Instrument	32649
Transaction Type	Transfer
Record Updated	Nov 6, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount on Record
Tax	$354.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	106 WATERWHEEL LN, GODWIN, NC 28344-9544

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 STACY ST, STEDMAN, NC 28391-9649

Mortgage

Document Number	0000032650
Date	Oct 18, 2023
Instrument	32650

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

Mortgage

Document Number	0118410796
Date	Oct 18, 2023
Book Page	11841/796
Instrument	32650

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	2160 SUPERIOR AVE E, CLEVELAND, OH 44114

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	405 STACY ST, STEDMAN, NC 28391-9649
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0109950398
Date	Jan 15, 2021
Book Page	10995/398
Instrument	2273

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	Jul 3, 2017
Property Address	405 STACY ST, STEDMAN, NC 28391-9649
Document Number	0101230850
Book / Page	010123 / 000850
Instrument Date	Jun 13, 2017
Instrument	20937
Transaction Type	Transfer
Record Updated	Jul 10, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 STACY ST STEDMAN NC 283919649, STEDMAN, NC 28391-9649

Mortgage

Document Number	101230852
Date	Jul 3, 2017
Book Page	010123/000852
Instrument	20938

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 405 Stacy St was $985.

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Cumberland County
Unified School District	Cumberland County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$985.00
2025	$985.00 (+67.52%)	$121,566 (+45.02%) Land $21,750 Building $99,816	$121,566 (+45.02%) Land $21,750 Building $99,816
2024	$588.00 (+19.27%)	$83,826 (-) Land $12,000 Building $71,826	$83,826 (-) Land $12,000 Building $71,826
2023	$493.00 (-44.36%)	$83,826 Land $12,000 Building $71,826	$83,826 Land $12,000 Building $71,826
2022	$886.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 405 Stacy St in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 2012.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	10 in force
Nearby Flood Claims	7 (2012–2018)
Claims Outside the SFHA	4 of 7
Most Recent Claim	Sep 2018 · Hurricane Florence
Claims by Event	Hurricane Florence, Sep 2018 · 2 claims Hurricane Matthew, Oct 2016 · 4 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 405 Stacy St is moderate, ranking above 42% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 42% of the US · above 62% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 28 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

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