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965 Bainbridge Rd, Stedman, NC 28391 Property Records

Cumberland County property record for 965 Bainbridge Rd, Stedman, NC 28391

Property Summary

Property TypeRural Home
Details3 bd · 2 ba · 1,634 sqft · built 1978
Lot Size4.22 acres (183,823 sqft)
Owner2 Individual Names on File
Tax Bill$2,184 (2026)
Deeds & MortgagesOct 2025 Mortgage
Nov 2021 Mortgage
Flood ZoneZone X (minimal risk)
APN0496-55-0556

Property Details

APN / Parcel Number

Primary APN0496-55-0556
Alternative APN
  • 0496.01550556

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,634 sqft Heated Area
1st Floor Area1,634 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 2005
Architectural StyleTraditional
Exterior MaterialWood Siding
Foundation TypeStone
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area183,823 sqft (4.22 acres)
Lot Dimensions537 ft deep x 270 ft wide
PorchSlab
Porch Area298 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air
Heating FuelElectric

Location & Zoning

Street Address965 BAINBRIDGE RD
CitySTEDMAN
StateNC
Zip28391-9675
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeA1
Legal Description4.22 ACS A G AVERITT LD
Legal SubdivisionEASTOVER ARMSTRONG STEDMAN DIS
Legal Block55
Legal Lot Number556
JurisdictionCUMBERLAND NC
Township / Civil DivisionCEDAR CREEK
Census Block Group1
Census Block1000
Census Tract2802

Owner

965 Bainbridge Rd, a rural home, is owned and occupied by two individuals who acquired it in November 2021.

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

Owner of Record2 Individual Names on File
Mailing Address965 BAINBRIDGE RD, STEDMAN, NC 28391-9675
OccupancyOwner Occupied
Owner TypeIndividual

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

DateDocument
Oct 27, 2025Deed of Trust, Mortgage · Conventional Mortgage
TOP FLITE FINANCIAL INC
Nov 5, 2021Intrafamily Transfer, Transfer · FHA Mortgage
MIDLAND MORTGAGE CORP

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleNov 5, 2021
Deed SaleNov 5, 2021
Prior SaleJun 30, 2005 · Amount on File
Deed Document Number202151581
Deed Book / Page11302 / 4
Prior Transfer DateNov 1, 2021
Prior Transfer Doc0113020004
Record UpdatedOct 29, 2026

October 2025: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionCUMBERLAND NC
Property Address965 BAINBRIDGE RD, STEDMAN, NC 28391-9675
Transaction TypeMortgage
Record UpdatedNov 5, 2025
Title CompanyTEAM TITLE SERVICES, AMT TITLE SERVICES

Transferred To (Grantee/Buyer)

NameVerified Name
Address965 BAINBRIDGE RD, STEDMAN, NC 28391-9675

Mortgage

Document Number0123630382
DateOct 27, 2025
Book Page12363/382
Instrument33793
Lender
NameTOP FLITE FINANCIAL INC
TypeMortgage Company
Address201 SCHOOL ST STE 200, WILLIAMSTON, MI 48895
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term241 Months
DueNov 1, 2045

November 2021: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionCUMBERLAND NC
Recording DateNov 5, 2021
Property Address965 BAINBRIDGE RD, STEDMAN, NC 28391-9675
Document Number0113020004
Book / Page11302 / 4
Instrument DateNov 1, 2021
Instrument51581
Transaction TypeTransfer
Record UpdatedNov 24, 2021

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address965 BAINBRIDGE RD, STEDMAN, NC 28391-9675

Mortgage

Document Number51582
DateNov 5, 2021
Instrument51582
Lender
NameMIDLAND MORTGAGE CORP
TypeMortgage Company
Agreement
TypeFHA Mortgage
AmountAmount on Record
Term360 Months
DueNov 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 965 Bainbridge Rd was $2,184.

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

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,184.00
2025$2,184.00 (+26.1%)$223,953 (+47.65%) Land $84,789 Building $139,164$223,953 (+47.65%) Land $84,789 Building $139,164
2024$1,732.00 (+2.18%)$151,674 (-) Land $47,543 Building $104,131$151,674 (-) Land $47,543 Building $104,131
2023$1,695.00 (+2.23%)$151,674 Land $47,543 Building $104,131$151,674 Land $47,543 Building $104,131
2022$1,658.00

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

Flood

FEMA maps place 965 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 8 (10% premium discount)
Nearby Flood Policies4 in force
Nearby Flood Claims1 (2024)
Claims Outside the SFHA1 of 1
Most Recent ClaimAug 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 965 Bainbridge Rd is moderate, ranking above 46% of the US, with a 0.08% annual chance of wildfire.

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

Wildfire RiskModerate
above 46% of the US · above 67% of North Carolina
Wildfire Likelihood0.08% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 35

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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