1321 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1321 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	4 bd · 5 ba · 6,370 sqft · built 2003
Lot Size	22.1 acres (964,854 sqft)
Owner	2 Individual Names on File
Last Sale	$1,500,000 (Jun 2023)
Tax Bill	$6,847 (2026)
Deeds & Mortgages	Jan 2018 Mortgage Nov 2005 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`858409153858`

Property Details

APN / Parcel Number

Primary APN	`858409153858`
Alternative APNs	`00039643` `39286400` `97065730`

Interior

Bedrooms	4 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	20 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	6,370 sqft Living Area
1st Floor Area	4,570 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Custom Design
Exterior Material	Brick
Construction Type	Brick
Roof Material	Rolled Roofing
Lot Area	964,854 sqft (22.1 acres)
Porch	Porch
Porch Area	256 sqft
Patio Area	2,028 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	97065730
Street Address	1321 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-9178
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	WHISP
Legal Description	LAND ALS ADVLTAX RAYS BRIDGE
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3022
Census Tract	950506

Owner

1321 Rays Bridge Rd is owned and occupied by two individuals who bought it in June 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
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
Jan 5, 2018	Deed of Trust, Mortgage · VA Mortgage RELIANCE FIRST CAPITAL LLC
Nov 14, 2005	Deed of Trust, Mortgage · Line of Credit WACHOVIA BANK NA
Apr 27, 2012	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 15, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Oct 1, 2019	Affidavit of Death of Joint Tenant, Transfer · VA Mortgage RELIANCE FIRST CAPITAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2023 · Amount on File
Deed Sale	Jun 15, 2023 · Amount on File
Prior Sale	Jan 27, 2023 · Amount on File
Deed Document Number	20238022
Deed Book / Page	6030 / 43
Prior Transfer Date	Sep 24, 2019
Prior Transfer Doc	005201/172
Record Updated	Sep 20, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004922/107
Date	Jan 5, 2018
Book Page	4922/107
Instrument	2018000126

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

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

November 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002926/163
Date	Nov 14, 2005
Book Page	2926/163
Instrument	2005022712

Lender

Name	WACHOVIA BANK NA
Type	Bank
Address	301 S COLLEGE ST, CHARLOTTE, NC 28202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	479 Months
Due	Oct 26, 2045

Interest

Change Frequency	Monthly
Index	Prime Rate

April 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	LSI

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004019/508
Date	Apr 27, 2012
Book Page	4019/508
Instrument	2012006227

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	May 1, 2027

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Jun 15, 2023
Property Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
Document Number	0006030/43
Book / Page	6030 / 43
Map Reference	CAB 19 SL 699
Instrument Date	Jun 7, 2023
Instrument	2023008022
Transaction Type	Transfer
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,000.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	245 E NEW HAMPSHIRE AVE # AVE3, AVE3, SOUTHERN PINES, NC 28387-5535

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178

Mortgage

Document Number	2023008023
Date	Jun 15, 2023
Instrument	2023008023

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2053

October 2019: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MOORE NC
Recording Date	Oct 1, 2019
Property Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178
Document Number	005201/170
Book / Page	5201 / 170
Instrument Date	Sep 24, 2019
Instrument	2019014561
Transaction Type	Transfer
Record Updated	Oct 8, 2024
Title Company	TIMIOS INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1321 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9178

Mortgage

Document Number	005201/172
Date	Oct 1, 2019
Book Page	5201/172
Instrument	2019014562

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Mortgage Company
Address	MELVILLE, NY 11747

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1321 Rays Bridge Rd was $6,847.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,847.00	$1,630,310 (-) Land $320,660 Building $1,309,650
2025	$6,847.00	$1,630,310 Land $320,660 Building $1,309,650
2024			$1,630,310 (-) Land $320,660 Building $1,309,650
2023	$7,276.00 (-0.6%)	$1,644,150 (+36.22%) Land $334,500 Building $1,309,650	$1,630,310 (+35.07%) Land $320,660 Building $1,309,650
2022	$7,320.00	$1,207,010 Land $283,860 Building $923,150	$1,207,010 Land $283,860 Building $923,150

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

Flood

FEMA maps place 1321 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 1321 Rays Bridge Rd is moderate, ranking above 63% 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 63% of the US · above 85% 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	EAST MOORE WATER DISTRICT serves 9,330 people · EPA ID NC5063011
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 114 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: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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