1220 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1220 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,716 sqft · built 1977
Lot Size	0.455 acres (19,820 sqft)
Owner	2 Individual Names on File
Last Sale	$225,000 (Feb 2019)
Tax Bill	$2,274 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Feb 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`858405177809`

Property Details

APN / Parcel Number

Primary APN	`858405177809`
Alternative APNs	`00039258` `97034522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,716 sqft Living Area
1st Floor Area	1,716 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Footing
Roof Material	Rolled Roofing
Lot Area	19,820 sqft (0.455 acres)
Porch	Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	97034522
Street Address	1220 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-9175
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	LOT 8 SEC 11 WHISPERING PINES MUNI RAYS BRIDGE
Legal Subdivision	WHISPERING PINES SUBDIVISION
Legal Lot Number	8
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	2
Census Block	2031
Census Tract	950506

Owner

1220 Rays Bridge Rd is owned by two individuals who bought it in February 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	640 JOHN CARLYLE ST, 129, ALEXANDRIA, VA 22314-6862
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
Jul 23, 2021	Deed of Trust, Mortgage · VA Mortgage PMAC LENDING SERVICES INC
Feb 19, 2019	Warranty Deed, Transfer · VA Mortgage USAA FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 19, 2019 · Amount on File
Deed Sale	Feb 19, 2019 · Amount on File
Prior Sale	May 25, 2016 · Amount on File
Deed Document Number	20192017
Deed Book / Page	5090 / 395
Prior Transfer Date	Oct 16, 2015
Prior Transfer Doc	4561/497
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1220 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9175
Transaction Type	Mortgage
Record Updated	Aug 6, 2021
Title Company	ALAMO TITLE LAKE WORTH

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5666/56
Date	Jul 23, 2021
Book Page	5666/56
Instrument	2021016695

Lender

Name	PMAC LENDING SERVICES INC
Type	Mortgage Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	356 Months
Due	Mar 1, 2051

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Feb 19, 2019
Property Address	1220 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9175
Document Number	5090/395
Book / Page	5090 / 395
Map Reference	CAB 1 SL 105B
Instrument Date	Jan 29, 2019
Instrument	2019002017
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$450.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	532 HENDERSON DR, 532, CLEMMONS, NC 27012-7140

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	1220 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9175

Mortgage

Document Number	2019002019
Date	Feb 19, 2019
Instrument	2019002019

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1220 Rays Bridge Rd was $2,274, 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	$2,274.00 (+4.31%)	$310,450 (-) Land $38,220 Building $272,230
2025	$2,180.00	$310,450 Land $38,220 Building $272,230
2024			$310,450 (-) Land $38,220 Building $272,230
2023	$2,134.00	$310,450 Land $38,220 Building $272,230	$310,450 Land $38,220 Building $272,230

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

Flood

FEMA maps place 1220 Rays Bridge Rd in Zone X, an area of minimal flood risk, though there have been 7 flood claims 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
Flood Insurance Cost	Premium on File median of 20 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	20 in force
Nearby Flood Claims	7 (2018–2025)
Most Recent Claim	Jul 2025 · rainfall accumulation

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 1220 Rays Bridge Rd is moderate, ranking above 47% 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 47% of the US · above 68% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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