Cumberland County property record for 643 Janet Cir, Spring Lake, NC 28390
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,888 sqft · built 1973 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,829 (2026) |
| Deeds & Mortgages | Oct 2018 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 0501-28-0685 |
| Primary APN | 0501-28-0685 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,888 sqft Heated Area |
| 1st Floor Area | 1,447 sqft |
| Utility Area | 66 sqft |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Traditional |
| Exterior Material | Combination |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Lot Dimensions | 138 ft deep x 49.2 ft wide |
| Porch | Slab |
| Porch Area | 68 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Street Address | 643 JANET CIR |
|---|---|
| City | SPRING LAKE |
| State | NC |
| Zip | 28390-3016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R10 |
| Legal Description | HOLLY HILL LO:22 SE:04 PL:0034-0042 |
| Legal Subdivision | HOLLY HILLS |
| Legal Block | 28 |
| Legal Lot Number | 22 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | MANCHESTER |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 3501 |
643 Janet Cir is owned and occupied by an individual.
Source: Cumberland County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 643 JANET CIR, SPRING LAKE, NC 28390-3016 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 643 JANET CIR, SPRING LAKE, NC 28390-3016 |
| Document Number | 0104000502 |
| Instrument Date | Oct 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Nov 22, 2018 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|---|
| Address | 643 JANET CIR SPRING LAKE NC 283903016, SPRING LAKE, NC 28390-3016 |
| Document Number | 0104000502 |
|---|---|
| Date | Nov 1, 2018 |
| Book Page | 010400/000502 |
| Instrument | 32400 |
| Name | BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 31, 2048 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 643 Janet Cir was $2,829.
Source: Cumberland County assessment roll, as of December 19, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Municipality | Spring Lake Town |
| Unified School District | Cumberland County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,829.00 | ||
| 2025 | $2,829.00 (+136.34%) | $166,675 (+45.09%) Land $25,000 Building $141,675 | $166,675 (+45.09%) Land $25,000 Building $141,675 |
| 2024 | $1,197.00 (+14%) | $114,877 (-) Land $11,000 Building $103,877 | $114,877 (-) Land $11,000 Building $103,877 |
| 2023 | $1,050.00 | $114,877 Land $11,000 Building $103,877 | $114,877 Land $11,000 Building $103,877 |
| 2022 | $1,050.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 643 Janet Cir in Zone X, an area of minimal flood risk.
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 |
| Nearby Flood Policies | 7 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 risk around 643 Janet Cir is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| Also Mapped Here | OLD NORTH UTILITIES SERVICES/FT BRAGG |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 216 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 |
5G (outdoors only) and 4G LTE
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