615 Bainbridge Rd, Stedman, NC 28391 Property Records

Cumberland County property record for 615 Bainbridge Rd, Stedman, NC 28391

Property Summary

Property Type	Rural Home
Details	4 bd · 4.5 ba · 4,506 sqft · built 1995
Lot Size	20.6 acres (900,821 sqft)
Owner	2 Individual Names on File
Last Sale	$575,000 (May 2021)
Tax Bill	$5,957 (2026)
Deeds & Mortgages	Feb 2017 Mortgage May 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0496-24-2089`

Property Details

APN / Parcel Number

Primary APN	`0496-24-2089`
Alternative APN	`0496.03242089`

Interior

Bedrooms	4 Beds
Full Baths	4.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,506 sqft Heated Area
1st Floor Area	2,638 sqft
Attic	Attic
Attic Area	465 sqft
Utility Area	48 sqft
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	900,821 sqft (20.6 acres)
Garage Area	847 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	33 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Street Address	615 BAINBRIDGE RD
City	STEDMAN
State	NC
Zip	28391-9679
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A1
Legal Description	20.68 ACS JORDAN & AUTRY LD
Legal Subdivision	EASTOVER ARMSTRONG STEDMAN DIS
Legal Block	24
Legal Lot Number	2089
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CEDAR CREEK
Census Block Group	1
Census Block	1000
Census Tract	2802

Owner

615 Bainbridge Rd, a rural home, is owned by two individuals who bought it in May 2021.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 79, STEDMAN, NC 28391-0079
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
Feb 14, 2017	Deed of Trust, Mortgage · ARM FIRST BANK
May 12, 2021	Warranty Deed, Transfer · Conventional Mortgage FORT BRAGG FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2021 · Amount on File
Deed Sale	May 12, 2021 · Amount on File
Deed Document Number	202122207
Deed Book / Page	11120 / 641
Record Updated	Oct 29, 2026

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	615 BAINBRIDGE RD, STEDMAN, NC 28391-9679
Transaction Type	Mortgage
Record Updated	Nov 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0100370406
Date	Feb 14, 2017
Book Page	10037/406
Instrument	04929

Lender

Name	FIRST BANK

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Mar 1, 2027

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUMBERLAND NC
Recording Date	May 12, 2021
Property Address	615 BAINBRIDGE RD, STEDMAN, NC 28391-9679
Document Number	0111200641
Book / Page	11120 / 641
Map Reference	MB 361 PG 324
Instrument Date	Mar 24, 2021
Instrument	22207
Transaction Type	Transfer
Record Updated	Nov 8, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,150.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 213, STEDMAN, NC 28391-0213

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 79, STEDMAN, NC 28391-0079

Mortgage

Document Number	22208
Date	May 12, 2021
Instrument	22208

Lender

Name	FORT BRAGG FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 615 Bainbridge Rd was $5,957.

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	$5,957.00
2025	$5,957.00 (+6.2%)	$808,641 (+53.08%) Land $150,699 Building $657,942	$808,641 (+53.08%) Land $150,699 Building $657,942
2024	$5,609.00 (+0.66%)	$528,243 (-) Land $85,311 Building $442,932	$528,243 (-) Land $85,311 Building $442,932
2023	$5,572.00 (+0.67%)	$528,243 Land $85,311 Building $442,932	$528,243 Land $85,311 Building $442,932
2022	$5,535.00

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

Flood

FEMA maps place 615 Bainbridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2024.

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
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2024)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Aug 2024 · Tropical Storm Debby

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 615 Bainbridge Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 73% of North Carolina
Wildfire Likelihood	0.1% 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 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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