446 Goldenleaf Cir, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 446 Goldenleaf Cir, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,940 sqft · built 2015
Lot Size	0.49 acres (21,344 sqft)
Owner	2 Individual Names on File
Last Sale	$530,000 (Feb 2023)
Tax Bill	$4,214 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Feb 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`858400660345`

Property Details

APN / Parcel Number

Primary APN	`858400660345`
Alternative APNs	`858466345` `20140620` `97017434` `97062020`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,940 sqft Living Area
1st Floor Area	1,472 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Lot Area	21,344 sqft (0.49 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	97062020
Street Address	446 GOLDENLEAF CIR
City	WHISPERING PINES
State	NC
Zip	28327-0107
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RA
Legal Description	SUMMERFIELD LOT 13 WHISPERING PINES MUNI GOLDENLEAF
Legal Subdivision	ARROWSTONE
Legal Lot Number	13
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3014
Census Tract	950506

Owner

446 Goldenleaf Cir is owned and occupied by two individuals who bought it in February 2023.

Source: Moore County records, as of August 18, 2026

Owner of Record	2 Individual Names on File
Mailing Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107
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
Aug 6, 2026	Deed of Trust, Mortgage · Line of Credit NAVY FEDERAL CREDIT UNION
Feb 28, 2023	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage DISCOVER BANK
Dec 31, 2020	Deed of Trust, Mortgage · VA Mortgage NEW DAY FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2023 · Amount on File
Deed Sale	Feb 28, 2023 · Amount on File
Prior Sale	May 17, 2016 · Amount on File
Deed Document Number	20232459
Deed Book / Page	5979 / 69
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Recording Date	Aug 6, 2026
Property Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107
Document Number	0000012196
Book / Page	6594 / 332
Instrument Date	Jul 30, 2026
Instrument	202612196
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107

Mortgage

Document Number	0000012196,
Date	Aug 6, 2026
Book Page	6594/332
Instrument	202612196

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	481 Months
Due	Sep 1, 2066

Interest

Rate	6.43%
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Feb 28, 2023
Property Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107
Document Number	0005979/69
Book / Page	5979 / 69
Map Reference	CAB 16 SL 432-434
Instrument Date	Feb 6, 2023
Instrument	2023002459
Transaction Type	Transfer
Record Updated	Mar 13, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,060.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107

Mortgage

Document Number	2023002460
Date	Feb 28, 2023
Instrument	2023002460

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

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

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5417/418
Date	Sep 11, 2020
Book Page	5417/418
Instrument	2020017239

Lender

Name	DISCOVER BANK
Type	Bank
Address	NEW CASTLE, DE 19720

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Sep 11, 2040

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	446 GOLDENLEAF CIR, WHISPERING PINES, NC 28327-0107
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5506/103
Date	Dec 31, 2020
Book Page	5506/103
Instrument	2020026197

Lender

Name	NEW DAY FINANCIAL LLC
Type	Mortgage Company
Address	FULTON, MD 20759

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 446 Goldenleaf Cir was $4,214, 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	$4,214.00 (+4.26%)	$575,420 (-) Land $60,000 Building $515,420
2025	$4,042.00	$575,420 Land $60,000 Building $515,420
2024			$575,420 (-) Land $60,000 Building $515,420
2023	$3,956.00	$575,420 Land $60,000 Building $515,420	$575,420 Land $60,000 Building $515,420

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

Flood

FEMA maps place 446 Goldenleaf Cir 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 446 Goldenleaf Cir is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 49% of North Carolina
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within 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	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 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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