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

Moore County property record for 885 Rays Bridge Rd, Whispering Pines, NC 28327

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,604 sqft · built 1975
Lot Size	1.01 acres (44,170 sqft)
Owner	2 Individual Names on File
Last Sale	$477,000 (Apr 2019)
Tax Bill	$4,662 (2026)
Deeds & Mortgages	Nov 2020 Mortgage May 2017 Line of Credit + 9 more
Flood Zone	Zone X (minimal risk)
APN	`858406497520`

Property Details

APN / Parcel Number

Primary APN	`858406497520`
Alternative APNs	`00041256` `97035215`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,604 sqft Living Area
1st Floor Area	2,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 2000
Architectural Style	Custom Design
Exterior Material	Wood
Construction Type	Frame
Foundation Type	Footing
Roof Material	Rolled Roofing
Lot Area	44,170 sqft (1.01 acres)
Porch	Porch
Porch Area	40 sqft
Patio Area	1,292 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	97035215
Street Address	885 RAYS BRIDGE RD
City	WHISPERING PINES
State	NC
Zip	28327-5910
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSI
Legal Description	LOT 424 A SEC 4 WHISPERING PINES MUNI RAYS BRIDGE
Legal Subdivision	WHISPERING PINES SUBDIVISION
Legal Lot Number	424
Jurisdiction	MOORE NC
Township / Civil Division	7, MCNEILL
Census Block Group	3
Census Block	3004
Census Tract	950506

Owner

885 Rays Bridge Rd is owned and occupied by two individuals who bought it in April 2019.

Source: Moore County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
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
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
May 4, 2017	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Feb 3, 2005	Deed of Trust, Mortgage · Line of Credit BRANCH BANKING AND TRUST CO
Jan 6, 2020	Deed of Trust, Mortgage · VA Mortgage NFM INC
Mar 2, 2017	Deed of Trust, Mortgage FIRST BANK
May 4, 2017	Deed of Trust, Mortgage · Line of Credit FIRST BANK
Mar 2, 2017	Deed of Trust, Mortgage FIRST BANK
Jan 6, 2020	Deed of Trust, Mortgage · VA Mortgage NFM INC
Nov 16, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2019	Warranty Deed, Transfer · VA Mortgage NFM INC
Nov 30, 2006	Warranty Deed, Transfer · ARM CHARLES SCHWAB BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 2019 · Amount on File
Deed Sale	Apr 18, 2019 · Amount on File
Prior Sale	Oct 7, 2016 · Amount on File
Deed Document Number	20195134
Deed Book / Page	5116 / 579
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0005470/38
Date	Nov 16, 2020
Book Page	5470/38
Instrument	2020022597

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004809/409
Date	May 4, 2017
Book Page	4809/409
Instrument	2017006229

Lender

Name	FIRST BANK
Type	Bank
Address	SOUTHERN PINES, NC 28388

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002733/216
Date	Feb 3, 2005
Book Page	2733/216
Instrument	2005002167

Lender

Name	BRANCH BANKING AND TRUST CO
Type	Bank
Address	PO BOX 1290, WHITEVILLE, NC 28472

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	ATLANTIC TITLE INC, ATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	005250/546
Date	Jan 6, 2020
Book Page	5250/546
Instrument	2020000183

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	004780/502
Date	Mar 2, 2017
Book Page	4780/502
Instrument	2017002884

Lender

Name	FIRST BANK
Type	Bank
Address	SOUTHERN PINES, NC 28388

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4809/409
Date	May 4, 2017
Book Page	4809/409
Instrument	2017006229

Lender

Name	FIRST BANK
Type	Bank
Address	SOUTHERN PINES, NC 28388

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	4780/502
Date	Mar 2, 2017
Book Page	4780/502
Instrument	2017002884

Lender

Name	FIRST BANK
Type	Bank
Address	SOUTHERN PINES, NC 28388

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ATLANTIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5250/546
Date	Jan 6, 2020
Book Page	5250/546
Instrument	2020000183

Lender

Name	NFM INC
Type	Mortgage Company
Address	LINTHICUM HEIGHTS, MD 21090

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 1, 2050

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MOORE NC
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	5470/38
Date	Nov 16, 2020
Book Page	5470/38
Instrument	2020022597

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

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

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Apr 18, 2019
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Document Number	5116/579
Book / Page	5116 / 579
Map Reference	MB 7 PG 26
Instrument Date	Apr 12, 2019
Instrument	2019005134
Transaction Type	Transfer
Record Updated	Sep 27, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$954.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	415 MANNING SQ, 415, SOUTHERN PINES, NC 28387-5076

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910

Mortgage

Document Number	2019005135
Date	Apr 18, 2019
Instrument	2019005135

Lender

Name	NFM INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2049

November 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MOORE NC
Recording Date	Nov 30, 2006
Property Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910
Document Number	003137/289
Book / Page	3137 / 289
Map Reference	MB7 PG26
Instrument Date	Nov 27, 2006
Instrument	2006023487
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$900.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	885 RAYS BRIDGE RD, WHISPERING PINES, NC 28327-5910

Mortgage

Document Number	2006023488
Date	Nov 30, 2006
Instrument	2006023488

Lender

Name	CHARLES SCHWAB BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.83%
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	10.8%
Index	1-Year LIBOR

Tax Assessment & Valuation

The 2026 property tax bill for 885 Rays Bridge Rd was $4,662, 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	$4,662.00 (+4.27%)	$681,560 (-) Land $258,750 Building $422,810
2025	$4,471.00	$681,560 Land $258,750 Building $422,810
2024			$681,560 (-) Land $258,750 Building $422,810
2023	$4,376.00	$681,560 Land $258,750 Building $422,810	$681,560 Land $258,750 Building $422,810

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

Flood

FEMA maps place 885 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 885 Rays Bridge Rd 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	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 65 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