46 Pine Lake Dr, Whispering Pines (Carthage), NC 28327 Property Records

Moore County property record for 46 Pine Lake Dr, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	2,040 sqft · built 2017
Lot Size	0.762 acres (33,193 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,740 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Sep 2022 Line of Credit + 5 more
Flood Zone	Zone X (minimal risk)
APN	`8594096591`

Property Details

APN / Parcel Number

Primary APN	`8594096591`
Alternative APNs	`859409060591` `00032079` `97045082`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Building Area	2,040 sqft Living Area
1st Floor Area	2,040 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Lot Area	33,193 sqft (0.762 acres)

Utilities, Heating & Cooling

Heating System	Heat Pump
Sewer	Septic
Water Source	Commercial

Location & Zoning

Account Number	97045082
Street Address	46 PINE LAKE DR
City	WHISPERING PINES
State	NC
Zip	28327-9373
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	LOT 25 A SEC 6 WHISPERING PINES MUNI PINE LAKE
Legal Subdivision	SECTION
Legal Lot Number	25
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	1
Census Block	1013
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	2 Individual Names on Record
Mailing Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit BMO HARRIS BANK
Sep 1, 2022	Deed of Trust, Mortgage · Line of Credit SHARONVIEW FCU
Apr 6, 2018	Deed of Trust, Mortgage · VA Mortgage POTOMAC MORTGAGE GROUP LLC
May 3, 2019	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Feb 26, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Nov 19, 2020	Intrafamily Transfer, Transfer · VA Mortgage FREEDOM MORTGAGE CORP
Aug 31, 2017	Warranty Deed, Construction Loan · Construction Mortgage POTOMAC MORTGAGE GROUP LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 19, 2020
Deed Sale	Nov 19, 2020
Prior Sale	Aug 31, 2017 · Amount on Record
Deed Document Number	202022951
Deed Book / Page	5473 / 344
Prior Transfer Date	Aug 31, 2020
Prior Transfer Doc	5473/344
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Recording Date	Sep 8, 2026
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Document Number	0000013734
Book / Page	6609 / 318
Instrument Date	Aug 22, 2026
Instrument	202613734
Transaction Type	Mortgage
Record Updated	Oct 7, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373

Mortgage

Document Number	0000013734,
Date	Sep 8, 2026
Book Page	6609/318
Instrument	202613734

Lender

Name	BMO HARRIS BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2056

Interest

Max Rate	-1%

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005907/486
Date	Sep 1, 2022
Book Page	5907/486
Instrument	2022015144

Lender

Name	SHARONVIEW FCU
Type	Credit Union
Address	FORT MILL, SC 29716

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	340 Months
Due	Jan 15, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4960/249
Date	Apr 6, 2018
Book Page	4960/249
Instrument	2018004649

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution
Address	FAIRFAX, VA 22030

Agreement

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

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5125/026
Date	May 3, 2019
Book Page	5125/026
Instrument	2019006008

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5279/288
Date	Feb 26, 2020
Book Page	5279/288
Instrument	2020003294

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2050

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MOORE NC
Recording Date	Nov 19, 2020
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Document Number	5473/344
Book / Page	5473 / 344
Map Reference	MB 7 PG 55
Instrument Date	Aug 31, 2020
Instrument	2020022951
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373

Mortgage

Document Number	2020022952
Date	Nov 19, 2020
Instrument	2020022952

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2017: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Aug 31, 2017
Property Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373
Document Number	4867/600
Book / Page	4867 / 600
Map Reference	MB 7 PG 55
Instrument Date	Aug 28, 2017
Instrument	2017012944
Transaction Type	Construction Loan
Record Updated	Sep 27, 2021

Transaction

Amount	Amount Recorded
Tax	$248.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	6633 BRIARCROFT ST, 6633, CLIFTON, VA 20124-1211

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	46 PINE LAKE DR, WHISPERING PINES, NC 28327-9373

Mortgage

Document Number	2017012945
Date	Aug 31, 2017
Instrument	2017012945

Lender

Name	POTOMAC MORTGAGE GROUP LLC
Type	Lending Institution

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Sep 1, 2018

Tax Assessment & Valuation

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	$4,740.00 (+4.27%)	$647,140 (-) Land $190,000 Building $457,140
2025	$4,546.00 (+11.81%)	$647,140 (+9.42%) Land $190,000 Building $457,140
2024			$591,450 (-8.61%) Land $190,000 Building $401,450
2023	$4,066.00	$591,450 Land $190,000 Building $401,450	$647,140 Land $190,000 Building $457,140

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 12 policies
Community Rating System	Class 10 (0% premium discount)
Nearby Flood Policies	12 in force
Nearby Flood Claims	2 (2018–2025)
Claims Outside the SFHA	2 of 2
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 45% of the US · above 66% 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 144 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: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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