20 Whisper Oaks Ct, Smithfield, NC 27577 Property Records

Johnston County property record for 20 Whisper Oaks Ct, Smithfield, NC 27577

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,263 sqft · built 2017
Lot Size	0.89 acres (38,768 sqft)
Owner	2 Individual Names on File
Last Sale	$363,000 (Apr 2023)
Tax Bill	$2,158 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage May 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`07G07010K`

Property Details

APN / Parcel Number

Primary APN	`07G07010K`
Alternative APNs	`2000234307` `2000250224` `2000259098`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,263 sqft Living Area
Gross Area	2,971 sqft
1st Floor Area	1,219 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Exterior Material	Aluminum/Vinyl
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Composition Shingle
Lot Area	38,768 sqft (0.89 acres)
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Patio
Porch Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Heat Pump
Heating Fuel	Electric

Location & Zoning

Account Number	2000259098
Street Address	20 WHISPER OAKS CT
City	SMITHFIELD
State	NC
Zip	27577-7017
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RAG
Legal Description	LOT 69 FOREST OAKS PH 2 67/369
Legal Subdivision	FOREST OAKS SUBDIVISION
Legal Phase	2
Legal Lot Number	69
Jurisdiction	JOHNSTON NC
Township / Civil Division	ELEVATION
Census Block Group	3
Census Block	3000
Census Tract	41504

Owner

20 Whisper Oaks Ct is owned and occupied by two individuals who bought it in April 2023.

Source: Johnston County records, as of September 24, 2026

Owner of Record	2 Individual Names on File
Mailing Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017
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
Apr 20, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
May 20, 2022	Intrafamily Transfer, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Dec 8, 2020	Warranty Deed, Transfer · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 11, 2017	Warranty Deed, Subdivision Related Transfer · VA Mortgage CITYWORTY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2023 · Amount on File
Deed Sale	Apr 20, 2023 · Amount on File
Prior Sale	Dec 8, 2020 · Amount on File
Deed Document Number	202311318
Deed Book / Page	6459 / 375
Prior Transfer Date	May 16, 2022
Prior Transfer Doc	0000811057
Record Updated	Oct 29, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Apr 20, 2023
Property Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017
Document Number	0000011318
Book / Page	6459 / 375
Map Reference	MB 67 PG 367-370
Instrument Date	Apr 18, 2023
Instrument	2023011318
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	375 RHODES POND RD, FOUR OAKS, NC 27524-9765

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017

Mortgage

Document Number	0000011319
Date	Apr 20, 2023
Instrument	2023011319

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2053

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	JOHNSTON NC
Recording Date	May 20, 2022
Property Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017
Document Number	0000811057
Book / Page	6262 / 154
Map Reference	MB 67 PG 367-370
Instrument Date	May 16, 2022
Instrument	2022811057
Transaction Type	Transfer
Record Updated	May 31, 2022
Title Company	AMERICAS TITLE GROUP, AMERICAS TITLE CORP

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	20 WHISPER OAKS CT, 20, SMITHFIELD, NC 27577-7017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017

Mortgage

Document Number	0000811058
Date	May 20, 2022
Instrument	2022811058

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Dec 8, 2020
Property Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017
Document Number	0000721837
Book / Page	5777 / 932
Map Reference	MB 67 PG 367-370
Instrument Date	Dec 7, 2020
Instrument	2020721837
Transaction Type	Transfer
Record Updated	Aug 31, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$584.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 LAUREL WOODS WAY, 135, CURRITUCK, NC 27929-9728

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017

Mortgage

Document Number	0000721838
Date	Dec 8, 2020
Instrument	2020721838

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

September 2017: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	JOHNSTON NC
Recording Date	Sep 11, 2017
Property Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017
Document Number	0000544040
Book / Page	5024 / 0732
Map Reference	MB 67 PG 367-370
Instrument Date	Aug 22, 2017
Instrument	2017544040
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2021
Title Company	CLA TITLE AND ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$500.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1209 N MAIN ST, 1209, LILLINGTON, NC 27546-8286

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20 WHISPER OAKS CT, SMITHFIELD, NC 27577-7017

Mortgage

Document Number	0000544041
Date	Sep 11, 2017
Book Page	5024/0735
Instrument	2017544041

Lender

Name	CITYWORTY MORTGAGE LLC
Type	Non-Lending Institution
Address	FAIRFAX, VA 22033

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 20 Whisper Oaks Ct was $2,158 with exemptions applied, down 1.6% from the year before.

Source: Johnston County assessment roll, as of September 24, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Johnston County
Unified School District	Johnston County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,158.00 (-1.55%) Disabled Person's exemption Veteran's exemption	$390,320 (-) Land $75,000 Building $315,320	$390,320 (-) Land $75,000 Building $315,320
2025	$2,192.00 Disabled Person's exemption Veteran's exemption	$390,320 Land $75,000 Building $315,320	$390,320 Land $75,000 Building $315,320
2023	$2,045.00	$265,670 Land $42,000 Building $223,670	$265,670 Land $42,000 Building $223,670

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

Flood

FEMA maps place 20 Whisper Oaks Ct in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 20, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 20 Whisper Oaks Ct is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 96% of North Carolina
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

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	JOHNSTON CO-WEST serves 99,027 people · EPA ID NC0351070
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Whisper Oaks Ct

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures