128 Pine Lake Dr, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 128 Pine Lake Dr, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,836 sqft · built 1982
Lot Size	0.889 acres (38,725 sqft)
Owner	2 Individual Names on Record
Last Sale	$491,000 (Sep 2020)
Tax Bill	$4,949 (2026)
Deeds & Mortgages	Apr 2009 Mortgage Nov 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`858412864806`

Property Details

APN / Parcel Number

Primary APN	`858412864806`
Alternative APNs	`00034483` `97043002`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,836 sqft Living Area
1st Floor Area	2,296 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1982
Effective Year Built	Effective 1995
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Footing
Roof Material	Rolled Roofing
Lot Area	38,725 sqft (0.889 acres)
Porch	Porch
Porch Area	387 sqft
Patio Area	1,056 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	97043002
Street Address	128 PINE LAKE DR
City	WHISPERING PINES
State	NC
Zip	28327-9388
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	LOT 58 A S PART LOT 59 A SEC 6 WHISPERING PINES MUNI PINE LA
Legal Subdivision	WHISPERING PINES
Legal Lot Number	58-59
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	1
Census Block	1013
Census Tract	950506

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2009	Deed of Trust, Mortgage WYNDHAM CAPITAL MORTGAGE INC
Nov 8, 2012	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Sep 15, 2020	Warranty Deed, Transfer · VA Mortgage CALIBER HOME LOANS INC
Jul 9, 2007	Warranty Deed, Transfer · ARM ABN AMRO MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 15, 2020 · Amount on Record
Deed Sale	Sep 15, 2020 · Amount on Record
Prior Sale	Jul 9, 2007 · Amount on Record
Deed Document Number	202017517
Deed Book / Page	5420 / 165
Record Updated	Oct 29, 2026

April 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	003548/065
Date	Apr 3, 2009
Book Page	3548/065
Instrument	2009004951

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28209

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2039

November 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	004112/298
Date	Nov 8, 2012
Book Page	4112/298
Instrument	2012016606

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2042

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Sep 15, 2020
Property Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388
Document Number	5420/165
Book / Page	5420 / 165
Map Reference	MB 7 PG 55
Instrument Date	Sep 8, 2020
Instrument	2020017517
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$982.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5 DAHLIA WAY, 5, WHISPERING PINES, NC 28327-6770

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388

Mortgage

Document Number	2020017518
Date	Sep 15, 2020
Instrument	2020017518

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

July 2007: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Jul 9, 2007
Property Address	128 PINE LAKE DR, WHISPERING PINES, NC 28327-9388
Document Number	003262/440
Book / Page	3262 / 440
Map Reference	MB7 PG55
Instrument Date	Jun 25, 2007
Instrument	2007013189
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$750.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	191 PINE DR, WHISPERING PINES, NC 28327
Investor	Possibly a Property Investor

Mortgage

Document Number	2007013190
Date	Jul 9, 2007
Instrument	2007013190

Lender

Name	ABN AMRO MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	7.75%
Index	1-Year LIBOR
Margin	2
Max Rate	11.7%

Tax Assessment & Valuation

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	$4,949.00 (+4.28%)	$675,670 (-) Land $190,000 Building $485,670
2025	$4,746.00 (+2.17%)	$675,670 (-) Land $190,000 Building $485,670
2024			$675,670 (-) Land $190,000 Building $485,670
2023	$4,645.00	$675,670 Land $190,000 Building $485,670	$675,670 Land $190,000 Building $485,670

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

Flood

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 Record median of 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	2 of 2
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

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

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.07% 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 154 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

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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