1185 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1185 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,670 sqft · built 2014
Lot Size	0.553 acres (24,089 sqft)
Owner	2 Individual Names on File
Last Sale	$500,000 (Mar 2023)
Tax Bill	$3,823 (2026)
Deeds & Mortgages	Mar 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`8584271934`

Property Details

APN / Parcel Number

Primary APN	`8584271934`
Alternative APNs	`858400271934` `20090146` `97041570` `97062809`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,670 sqft Living Area
1st Floor Area	1,645 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Lot Area	24,089 sqft (0.553 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	97062809
Street Address	1185 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-9174
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	COMER LOT 2B WHISPERING PINES MUNI RAYS BRIDGE
Legal Subdivision	IRIE CORP SURV
Legal Lot Number	2B
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3021
Census Tract	950506

Owner

1185 Rays Bridge Rd is owned and occupied by two individuals who bought it in March 2023.

Source: Moore County records, as of August 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1185 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
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.

Deeds, Mortgages & Sale History

Date	Document
Mar 5, 2021	Deed of Trust, Mortgage · VA Mortgage LOANUNITED.COM LLC
May 1, 2020	Deed of Trust, Mortgage · VA Mortgage PENTAGON FCU
Mar 20, 2023	Warranty Deed, Transfer · VA Mortgage MUTUAL OF OMAHA MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 20, 2023 · Amount on File
Deed Sale	Mar 20, 2023 · Amount on File
Prior Sale	Dec 15, 2014 · Amount on File
Deed Document Number	20233383
Deed Book / Page	5987 / 180
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1185 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
Transaction Type	Mortgage
Record Updated	Aug 9, 2023
Title Company	ORANGE COAST LENDER SERVICES LLC, ORANGE COAST LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005556/594
Date	Mar 5, 2021
Book Page	5556/594
Instrument	2021005242

Lender

Name	LOANUNITED.COM LLC
Type	Mortgage Company
Address	NORCROSS, GA 30093

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1185 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
Transaction Type	Mortgage
Record Updated	Aug 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00005318/1
Date	May 1, 2020
Book Page	5318/1
Instrument	2020007244

Lender

Name	PENTAGON FCU
Type	Credit Union
Address	MC LEAN, VA 22102

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Mar 20, 2023
Property Address	1185 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
Document Number	005987/180
Book / Page	5987 / 180
Map Reference	CAB 13 SL 554
Instrument Date	Mar 4, 2023
Instrument	2023003383
Transaction Type	Transfer
Record Updated	Aug 9, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4222 WHISPER TRL, OLIVE BRANCH, MS 38654-4909

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174

Mortgage

Document Number	2023003384
Date	Mar 20, 2023
Instrument	2023003384

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

The 2026 property tax bill for 1185 Rays Bridge Rd was $3,823, up 4.3% from the year before.

Source: Moore County assessment roll, as of August 13, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Moore County
Municipality	Whispering Pines Village
Unified School District	Moore County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,823.00 (+4.25%)	$522,040 (-) Land $65,000 Building $457,040
2025	$3,667.00	$522,040 Land $65,000 Building $457,040
2024			$522,040 (-) Land $65,000 Building $457,040
2023	$3,589.00	$522,040 Land $65,000 Building $457,040	$522,040 Land $65,000 Building $457,040

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

Flood

FEMA maps place 1185 Rays Bridge Rd in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.

Source: FEMA National Flood Hazard Layer, effective September 30, 2023 · 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 10 (0% premium discount)
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2018)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Sep 2018 · Hurricane Florence

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 1185 Rays Bridge Rd is moderate, ranking above 45% 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 45% of the US · above 66% 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	WHISPERING PINES DEVELOPMENT private · serves 4,178 people · EPA ID NC0363112
Water Source	Purchased surface water from TOWN OF SOUTHERN PINES
Last State Inspection	Oct 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	1 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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ripple Fiber Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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