Spring Lake, Cumberland County, North Carolina Property Taxes

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Property Taxes in Spring Lake, North Carolina

Median Spring Lake, North Carolina effective property tax rate: 1.77%, significantly higher than the national median of 1.02%, and higher than the North Carolina state median of 0.81%.
Median Spring Lake, North Carolina home value: $85,871
Median annual Spring Lake, North Carolina tax bill: $1,352, lower than the national median property tax bill of $2,400.

How are property taxes in Cumberland calculated?

Property taxes in Spring Lake, North Carolina are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.

Understanding Spring Lake's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Spring Lake, knowing local tax details benefits homeowners and investors.

Last Updated April 13, 2026

Spring Lake, Cumberland County, North Carolina Property Tax Bill Calculator

Property Assessed Value

$100,000

$1,500,000

$3,000,000

Median Effective Tax Rate

1.77%

Estimate Property Tax Bill

$1,520

$1,410

How Does the Spring Lake Property Tax Calculator Work?

Use this Spring Lake property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Spring Lake's median effective tax rate of 1.77% — based on actual property records in Cumberland County — to generate your estimate.

Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Spring Lake's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.

Your bill may vary by ZIP code within Spring Lake: rates range from 1.77% in 28390 to 1.77% in 28390, primarily due to differences in school district levies and local assessment districts.

For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Spring Lake.

About Spring Lake Property Taxes

About Property Taxes in Spring Lake, Cumberland, North Carolina

Spring Lake’s median effective property tax rate of 1.77% is higher than the Cumberland County base levy and lower than the North Carolina state median of 0.81%. It also sits above the national median property tax rate of 1.02%. This rate reflects the county levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.

Property tax rates are not uniform across Spring Lake. Homeowners in the 28390 ZIP code carry a median effective rate of 1.77%, and the same ZIP also has the lowest median rate at 1.77%. That means there is no spread across the city in the available data, but local district boundaries can still affect what you owe.

Spring Lake homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the May 4, 2026 deadline each year.

If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.

Property Tax Rates Across Spring Lake, Cumberland County, North Carolina

As noted earlier, local government entities set tax rates, which can vary widely within a state.

Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.

While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.

Below, you can compare Spring Lake's effective property tax rate to other cities in North Carolina and the median property tax rates in North Carolina and the U.S.

Property Tax Rates Across Spring Lake, Cumberland County, North Carolina

Source: Ownwell

1.13%

1.50%

1.86%

Our median effective property tax rate (tax bill ÷ assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.

Median Effective Spring Lake Tax Rate

1.77%

Median Effective Cumberland County Tax Rate

1.55%

Median Effective North Carolina Tax Rate

0.81%

Median Effective United States Tax Rate

1.02%

Property Tax Rates Across Spring Lake, Cumberland County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Rate	75th Percentile	90th Percentile
28390	0.95%	1.09%	1.77%	1.97%	2.75%

Source: Ownwell

Property Tax Assessment Values Across Spring Lake, Cumberland County, North Carolina

When examining property taxes in Spring Lake, North Carolina, understanding the distinction between "market value" and "assessed value" is crucial.

The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. The Cumberland County tax office estimates the market value for tax purposes.

The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.

Assessment notices:

In Cumberland County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of February.

Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. For example, the median home price in Spring Lake is $85,871, with tax bills ranging significantly across the county. 28390 has the highest median home price at $85,871.

Property Tax Assessment Values Across Spring Lake, Cumberland County, North Carolina

Source: Ownwell

$61,026

$105,799

$150,572

Median Spring Lake Market Value

$85,871

Median Cumberland County Market Value

$116,108

Median North Carolina Market Value

$221,500

Median United States Market Value

$235,294

Property Tax Assessment Values Across Spring Lake, Cumberland County, North Carolina

Zip	10th Percentile	25th Percentile	Median Home Price	75th Percentile	90th Percentile
28390	$32,909	$65,970	$85,871	$101,788	$126,367

Source: Ownwell

Property Tax Bills Across Spring Lake, Cumberland County, North Carolina

Property tax bills in Spring Lake are based on the assessed value of a home, not its market price alone. Local tax rates are applied to that assessment to determine the amount owed each year. For homeowners, the bill can change if the assessed value changes or if local taxing authorities adjust rates.

In Spring Lake, the median home price is $85,871, and the median property tax bill is $1,352 in zip code 28390. The 25th percentile tax bill is $830, while the 75th percentile is $1,768 and the 90th percentile is $2,152. These differences show how property tax bills can vary across homes, even within the same city.

For many homeowners, property taxes are a major part of housing costs, so understanding how the bill is calculated can help explain why one home pays more than another.

Property Tax Bills Across Spring Lake, Cumberland County, North Carolina

Source: Ownwell

$752

$1,730

$2,707

Median Spring Lake Tax Bill

$1,352

Median Cumberland County Tax Bill

$1,757

Median North Carolina Tax Bill

$1,813

Median United States Tax Bill

$2,400

Property Tax Bills Across Spring Lake, Cumberland County, North Carolina

Zip	10th Percentile	25th Percentile	Median Tax Bill	75th Percentile	90th Percentile
28390	$618	$830	$1,352	$1,768	$2,152

Source: Ownwell

Don't miss the deadline to appeal!

Dates
Appeal Deadline	May 20

Links
Cumberland Tax Assessor
Website	taxpwa.co.cumberland.nc.us

Frequently Asked Property Tax Questions in Spring Lake, North Carolina

How are property taxes calculated in Spring Lake, North Carolina?

Property taxes in Spring Lake, North Carolina are calculated by multiplying your property's assessed value by the applicable tax rate set by local taxing authorities. The assessed value is determined by the county assessor and may differ from your property's market value depending on local assessment ratios and exemptions.

How do I appeal my property taxes in Spring Lake, North Carolina?

To appeal your property taxes in Spring Lake, North Carolina, you typically need to file a formal protest or appeal with your local appraisal district or assessor's office by the stated deadline. You'll need evidence such as comparable sales, a recent independent appraisal, or documentation of property condition issues. Ownwell can handle this entire process for you.

What property tax exemptions are available in Spring Lake, North Carolina?

Common property tax exemptions in Spring Lake, North Carolina include homestead exemptions for primary residences, senior citizen exemptions, veteran exemptions, and disability exemptions. Exemption amounts and eligibility requirements vary by county. Contact your local appraisal district or check Ownwell for details specific to your property.

When are property taxes due in Spring Lake, North Carolina?

Property tax deadlines in Spring Lake, North Carolina vary by county but typically include an assessment notice period in spring or early summer, followed by an appeal deadline, and a tax payment due date in the fall or winter. Check with your county assessor's office for specific dates in your area.

How can Ownwell help reduce my property taxes in Spring Lake, North Carolina?

Ownwell provides professional property tax appeal services in Spring Lake, North Carolina. Our team analyzes your assessment, gathers evidence, files all paperwork, and represents you at hearings — all with no upfront cost. You only pay a percentage of your savings if we successfully lower your tax bill.