1187 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1187 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,660 sqft · built 2015
Lot Size	0.57 acres (24,829 sqft)
Owner	2 Individual Names on File
Last Sale	$303,500 (Jul 2018)
Tax Bill	$3,515 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`858400270845`

Property Details

APN / Parcel Number

Primary APN	`858400270845`
Alternative APNs	`858427845` `00039631` `97030885`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	2,660 sqft Living Area
1st Floor Area	1,706 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	24,829 sqft (0.57 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	97030885
Street Address	1187 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	RAYMOND COMER LOT 2C WHISPERING PINES MUNI RAYS BRIDGE
Legal Subdivision	IRIE CORP SURV
Legal Lot Number	2C
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3021
Census Tract	950506

Owner

1187 Rays Bridge Rd is owned by two individuals who bought it in July 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	1920 BARRON CT, CHARLOTTESVILLE, VA 22911-7584
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
Aug 10, 2021	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 26, 2018	Warranty Deed, Transfer · VA Mortgage BNC NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 26, 2018 · Amount on File
Deed Sale	Jul 26, 2018 · Amount on File
Prior Sale	Aug 17, 2016 · Amount on File
Deed Document Number	201810893
Deed Book / Page	5013 / 266
Prior Transfer Date	Jun 7, 2013
Prior Transfer Doc	0000012440
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1187 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
Transaction Type	Mortgage
Record Updated	Aug 23, 2021
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5677/160
Date	Aug 10, 2021
Book Page	5677/160
Instrument	2021017907

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

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

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Jul 26, 2018
Property Address	1187 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174
Document Number	5013/266
Book / Page	5013 / 266
Map Reference	CAB13 SL55
Instrument Date	Jul 26, 2018
Instrument	2018010893
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$607.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1187 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9174

Mortgage

Document Number	2018010894
Date	Jul 26, 2018
Instrument	2018010894

Lender

Name	BNC NATIONAL BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 1187 Rays Bridge Rd was $3,515, 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	$3,515.00 (+4.27%)	$479,880 (-) Land $65,000 Building $414,880
2025	$3,371.00	$479,880 Land $65,000 Building $414,880
2024			$479,880 (-) Land $65,000 Building $414,880
2023	$3,299.00	$479,880 Land $65,000 Building $414,880	$479,880 Land $65,000 Building $414,880

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

Flood

FEMA maps place 1187 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 1187 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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