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415 Morehead St, Spring Lake, NC 28390 Property Records

Cumberland County property record for 415 Morehead St, Spring Lake, NC 28390

Property Summary

Property TypeSingle Family Home
Details1,444 sqft · built 1955
Lot Size0.18 acres (7,841 sqft)
OwnerIndividual Name on Record
Last Sale$230,000 (Jul 2025)
Deeds & MortgagesJul 2025 Mortgage
Jul 2025 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN0501-56-0463

Property Details

APN / Parcel Number

Primary APN0501-56-0463

Interior

Building Area1,444 sqft Heated Area

Exterior

Year BuiltBuilt 1955
Lot Area7,841 sqft (0.18 acres)

Location & Zoning

Street Address415 MOREHEAD ST
CitySPRING LAKE
StateNC
Zip28390-3738
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR6-RESIDENTIAL DIST
Legal DescriptionELIZABETH STREET SUBDIVISION CORR LO:3 PL:147-125
Legal SubdivisionTOWN OF SPRING LAKE
JurisdictionCUMBERLAND NC
Township / Civil DivisionMANCHESTER
Census Block Group3
Census Block3020
Census Tract3501

Owner

Source: Cumberland County records, as of December 18, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address415 MOREHEAD ST, SPRING LAKE, NC 28390-3738
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 9, 2025Deed of Trust, Mortgage · Commercial Mortgage
KINGDOM COMMUNITY DEVELOPMENT
Jul 9, 2025Warranty Deed, Transfer · Conventional Mortgage
TRUIST BANK

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJul 9, 2025 · Amount on Record
Deed SaleJul 9, 2025 · Amount on Record
Deed Document Number0012277811
Deed Book / Page12277 / 811
Record UpdatedJun 8, 2026

July 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCUMBERLAND NC
Property Address415 MOREHEAD ST, SPRING LAKE, NC 28390-3738
Transaction TypeMortgage
Record UpdatedDec 19, 2025

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 MOREHEAD ST, SPRING LAKE, NC 28390-3738

Mortgage

Document Number0122770851
DateJul 9, 2025
Book Page12277/851
Instrument20663
Lender
NameKINGDOM COMMUNITY DEVELOPMENT
TypeNon-Lending Institution
Address129 N MAIN ST, SPRING LAKE, NC 28390
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term119 Months
DueJun 8, 2035

July 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionCUMBERLAND NC
Recording DateJul 9, 2025
Property Address415 MOREHEAD ST, SPRING LAKE, NC 28390-3738
Document Number0122770811
Book / Page12277 / 811
Map ReferenceMB 147 PG 125
Instrument DateJun 2, 2025
Instrument20658
Transaction TypeTransfer
Record UpdatedDec 19, 2025

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$460.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address129 N MAIN ST, SPRING LAKE, NC 28390-3912

Transferred To (Grantee/Buyer)

NameVerified Name
Address415 MOREHEAD ST, SPRING LAKE, NC 28390-3738

Mortgage

Document Number0000020659
DateJul 9, 2025
Instrument20659
Lender
NameTRUIST BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueAug 1, 2055

Mortgage

Document Number0122770840
DateJul 9, 2025
Book Page12277/840
Instrument20661
Lender
NameNORTH CAROLINA HOUSING FINANCE AGENCY
TypeGovernment Agency
Address3508 BUSH ST, RALEIGH, NC 27609
Agreement
AmountAmount Recorded
Term360 Months
DueJul 8, 2055

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of January 1, 2025

Property Jurisdictions

TypeName
StateNorth Carolina
CountyCumberland County
MunicipalitySpring Lake Town
Unified School DistrictCumberland County Schools (KG - 12)

Tax Bill & Assessment History

YearAssessed ValueAssessed Market Value
2025$176,104 (+1,661.04%) Land $23,000 Building $153,104$176,104 (+1,661.04%) Land $23,000 Building $153,104
2023$10,000 Land $10,000$10,000 Land $10,000

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 12, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies7 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.

Wildfire

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

Wildfire RiskLow
lower than 66% of the US · above 46% of North Carolina
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemTOWN OF SPRING LAKE
serves 11,725 people · EPA ID NC0326020
Water SourcePurchased surface water from several systems
Last State InspectionFeb 2026
LeadUnder 1 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityE. coli
currently in violation since Sep 2026
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting7
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 232 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Brightspeed
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
AT&T
Fixed Wireless		100 / 20

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