1285 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1285 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,413 sqft · built 1990
Lot Size	2.11 acres (92,260 sqft)
Owner	Individual Name on File
Tax Bill	$2,125 (2026)
Deeds & Mortgages	Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`858409174148`

Property Details

APN / Parcel Number

Primary APN	`858409174148`
Alternative APNs	`00034928` `40545100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,413 sqft Living Area
1st Floor Area	1,409 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Rolled Roofing
Lot Area	92,260 sqft (2.11 acres)
Porch	Porch
Porch Area	144 sqft
Patio Area	216 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	40545100
Street Address	1285 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-9176
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	RUSSELL LAND WHISPERING PINES MUNI RAYS BRIDGE
Legal Subdivision	LESLIE RUSSELL JR
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3021
Census Tract	950506

Owner

1285 Rays Bridge Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	1285 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9176
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

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1285 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9176
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ACCURATE TITLE GROUP, ACCURATE TITLE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5180/279
Date	Aug 20, 2019
Book Page	5180/279
Instrument	2019012194

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.37%
Change Frequency	5 Years
Min Rate At Change	3.25%
Index	5-Year CMT
Max Rate	6%

Tax Assessment & Valuation

The 2026 property tax bill for 1285 Rays Bridge Rd was $2,125, 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	$2,125.00 (+4.27%)	$290,170 (-) Land $65,000 Building $225,170
2025	$2,038.00	$290,170 Land $65,000 Building $225,170
2024			$290,170 (-) Land $65,000 Building $225,170
2023	$1,994.00	$290,170 Land $65,000 Building $225,170	$290,170 Land $65,000 Building $225,170

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

Flood

FEMA maps place 1285 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 1285 Rays Bridge Rd is moderate, ranking above 44% of the US, with a 0.09% annual chance of wildfire.

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

Wildfire Risk	Moderate above 44% of the US · above 65% of North Carolina
Wildfire Likelihood	0.09% 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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