CCN 345348 · Cumberland County, North Carolina
Whispering Pines Nursing & Rehab Center
523 Country Club Drive, Fayetteville, NC 28301
Whispering Pines Nursing & Rehab Center is a 86-bed for-profit nursing home in Fayetteville, North Carolina, first certified for Medicare or Medicaid in 1991. CMS rates it 4 out of 5 stars overall in its September 2026 data, and it averaged 70.4 residents a day, about 82% of its certified beds. It has an active FHA-insured Section 232 loan: $6.2 million originally, at 3.02%, with $4.9 million outstanding as of September 30, 2026 and maturity in June 2050.
Facility facts
- Certified beds
- 86
- Average residents per day
- 70.4 (81.9% of beds)
- Ownership type
- For profit - Corporation
- Certification
- Medicare and Medicaid
- Legal business name
- Cumberland Care, Inc.
- Certified since
- Jan 22, 1991
- Chain or affiliated group
- Century Care Management (7 facilities, chain average 4.0 stars)
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | North Carolina median | US median |
|---|---|---|---|
| Overall rating | 4 of 5 | State spread: 91 at 1, 83 at 2, 85 at 3, 75 at 4, 81 at 5 | |
| Health inspections | 4 of 5 | ||
| Quality measures | 4 of 5 | ||
| Staffing | 4 of 5 | ||
| Total nurse hours per resident per day | 4.34 | 3.53 | 3.68 |
| RN hours per resident per day | 0.40 | 0.51 | 0.58 |
| Weekend nurse hours per resident per day | 3.52 | ||
| Nursing staff turnover | 41.0% | 48.6% | 44.9% |
| Occupancy (residents / beds) | 81.9% | 87.4% | 85.7% |
| Fines reported by CMS | 1 totaling $8,512 | ||
| Health deficiencies, latest standard survey | 3 (Jul 30, 2026) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Whispering Pines Nursing & Rehab Center meets that part today: 4 stars overall, 4 on health inspections, no abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Noah K Duncan Fam TrOrganization | Direct Ownership Interest | 100% | 04/01/2013 |
| Pagan, JessicaIndividual | Operational / Managerial Control | n/a | 11/01/2015 |
Changes of ownership
No change of ownership for this facility appears in the CMS change-of-ownership file, which starts in January 2016.
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| May 28, 2015 | 223(f) refinance or purchaseHUD project name: Duncan-Whispering Pines Nursing & Rehab Center, 88 beds. Lender at endorsement: Jll Real Estate Capital, LLC | $6,225,700 | Active: 3.02%, $4,883,496 balanceMatures Jun 1, 2050. Servicer: Jll Real Estate Capital, LLC | 05322180 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.