1370 Rays Bridge Rd, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 1370 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,598 sqft · built 1996
Lot Size	0.548 acres (23,871 sqft)
Owner	Individual Name on Record
Last Sale	$280,000 (Jul 2021)
Tax Bill	$1,136 (2026)
Deeds & Mortgages	Jan 2012 Line of Credit Nov 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`85840975095`

Property Details

APN / Parcel Number

Primary APN	`85840975095`
Alternative APNs	`858409075095` `00031493` `97050730`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,598 sqft Living Area
1st Floor Area	1,597 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Steel Frame
Foundation Type	Footing
Roof Material	Rolled Roofing
Lot Area	23,871 sqft (0.548 acres)
Porch	Porch
Porch Area	266 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	97050730
Street Address	1370 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-9177
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSIII
Legal Description	WEDGEWOOD LOT 19 ALS ADVLTAX RAYS BRIDGE
Legal Subdivision	OLD WEDGEWOOD
Legal Lot Number	19
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	2
Census Block	2034
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	Individual Name on Record
Mailing Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2012	Deed of Trust, Mortgage · Line of Credit PENTAGON FCU
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
May 17, 2011	Deed of Trust, Mortgage · Line of Credit CRESCENT STATE BANK
Jul 29, 2021	Warranty Deed, Transfer · VA Mortgage USAA FSB
Nov 2, 2020	Deed of Trust, Mortgage · VA Mortgage GUARANTEED RATE INC
Jul 13, 2018	Warranty Deed, Transfer · VA Mortgage GUARANTEED RATE INC
Nov 8, 2006	Warranty Deed, Transfer · Conventional Mortgage COUNTRYWIDE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2021 · Amount on Record
Deed Sale	Jul 29, 2021 · Amount on Record
Prior Sale	Jul 13, 2018 · Amount on Record
Deed Document Number	202117169
Deed Book / Page	5670 / 150
Prior Transfer Date	Jun 4, 2009
Prior Transfer Doc	0000008704
Record Updated	Oct 29, 2026

January 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003971/217
Date	Jan 11, 2012
Book Page	3971/217
Instrument	2012000508

Lender

Name	PENTAGON FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 29, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	005459/341
Date	Nov 2, 2020
Book Page	5459/341
Instrument	2020021426

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

May 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	003876/090
Date	May 17, 2011
Book Page	3876/090
Instrument	2011006418

Lender

Name	CRESCENT STATE BANK
Type	Bank
Address	SOUTHERN PINES, NC 28387

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Jul 29, 2021
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Document Number	5670/150
Book / Page	5670 / 150
Map Reference	MB 7 PG 89
Instrument Date	Jul 8, 2021
Instrument	2021017169
Transaction Type	Transfer
Record Updated	Aug 11, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	176 VALLEJO ST202, 176, SAN FRANCISCO, CA 94111

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1370 ROYS BRIDGE RD, WHISPRINGS PINES, CA 25058

Mortgage

Document Number	2021017170
Date	Jul 29, 2021
Instrument	2021017170

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5459/341
Date	Nov 2, 2020
Book Page	5459/341
Instrument	2020021426

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company
Address	CHICAGO, IL 60613

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Jul 13, 2018
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Document Number	5007/057
Book / Page	5007 / 057
Map Reference	MB7 PG89
Instrument Date	Jul 9, 2018
Instrument	2018010123
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$413.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	PO BOX 224, WEST END, NC 27376-0224

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Investor	Possibly a Property Investor

Mortgage

Document Number	2018010124
Date	Jul 13, 2018
Instrument	2018010124

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

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

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Nov 8, 2006
Property Address	1370 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177
Document Number	003126/280
Book / Page	3126 / 280
Map Reference	MB7 PG89
Instrument Date	Oct 19, 2006
Instrument	2006022080
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$336.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1380 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-9177

Mortgage

Document Number	2006022081
Date	Nov 8, 2006
Instrument	2006022081

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.5%
Index	1-Year LIBOR

Mortgage

Document Number	003126/301
Date	Nov 8, 2006
Book Page	3126/301
Instrument	2006022082

Lender

Name	COUNTRYWIDE HOME LOANS INC
Type	Lending Institution
Address	CALABASAS, CA 91302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Nov 15, 2031

Interest

Change Frequency	Monthly

Tax Assessment & Valuation

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	$1,136.00	$270,590 (-) Land $50,000 Building $220,590
2025	$1,136.00 (-7.72%)	$270,590 (-) Land $50,000 Building $220,590
2024			$270,590 (-) Land $50,000 Building $220,590
2023	$1,231.00	$270,590 Land $50,000 Building $220,590	$270,590 Land $50,000 Building $220,590

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 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

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

Wildfire Risk	Moderate above 57% of the US · above 79% of North Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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