114 Ruth St, Carrboro, NC 27510 Property Records

Orange County property record for 114 Ruth St, Carrboro, NC 27510

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 1,848 sqft · built 2005
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Trust Names on Record
Last Sale	$65,000 (Apr 2005)
Tax Bill	$8,020 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2019 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`9778-75-1318`

Property Details

APN / Parcel Number

Primary APN	`9778-75-1318`
Alternative APN	`305789`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,848 sqft Living Area
Gross Area	3,238 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Conventional
Exterior Material	Other
Construction Type	Frame
Foundation Type	Masonry
Roof Type	Gable
Roof Material	Shingle
Lot Area	18,295 sqft (0.42 acres)
Porch	Porch
Porch Area	280 sqft
Deck Area	200 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	114 RUTH ST
City	CARRBORO
State	NC
Zip	27510-2251
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R75
Legal Description	1 J ALLEN & ANDREA KNIGHT P91/85
Legal Unit	1
Jurisdiction	ORANGE NC
Township / Civil Division	CHAPEL HILL
Census Block Group	2
Census Block	2000
Census Tract	10708

Owner

Source: Orange 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 Trust Names on Record
Mailing Address	PO BOX 17027, CHAPEL HILL, NC 27516-7027
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Apr 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage COGENT BANK
Dec 17, 2021	Intrafamily Transfer, Transfer
Nov 18, 2021	Intrafamily Transfer, Transfer
Mar 30, 2021	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 15, 2005 · Amount on Record
Deed Sale	Apr 15, 2005 · Amount on Record
Prior Sale	Jun 2, 2003 · Amount on Record
Deed Book / Page	3722 / 387
Last Transfer Date	Dec 13, 2021
Transfer Doc	0067601152
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	114 RUTH ST, CARRBORO, NC 27510-2251
Transaction Type	Mortgage
Record Updated	Oct 17, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0067591732
Date	Dec 13, 2021
Book Page	6759/1732
Instrument	30063036

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ORANGE NC
Property Address	114 RUTH ST, CARRBORO, NC 27510-2251
Transaction Type	Mortgage
Record Updated	Aug 23, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0006596567
Date	Apr 3, 2019
Book Page	6596/567
Instrument	20190403000056890

Lender

Name	COGENT BANK
Type	Bank
Address	NASHVILLE, TN 37201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2049

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE NC
Recording Date	Dec 17, 2021
Property Address	114 RUTH ST, CARRBORO, NC 27510-2251
Document Number	0067601152
Book / Page	6760 / 1152
Map Reference	MB 91 PG 85
Instrument Date	Dec 13, 2021
Instrument	30063373
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	43 MANNS CROSSING DR, PITTSBORO, NC 27312-5958

November 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE NC
Recording Date	Nov 18, 2021
Property Address	114 RUTH ST, CARRBORO, NC 27510-2251
Document Number	0067552279
Book / Page	6755 / 2279
Map Reference	MB 91 PG 85
Instrument Date	Nov 17, 2021
Instrument	30061442
Transaction Type	Transfer
Record Updated	Aug 23, 2022

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
Address	43 MANNS CROSSING DR, PITTSBORO, NC 27312-5958

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ORANGE NC
Recording Date	Mar 30, 2021
Property Address	114 RUTH ST, CARRBORO, NC 27510-2251
Document Number	0006714605
Book / Page	6714 / 605
Map Reference	MB 91 PG 85
Instrument Date	Feb 16, 2021
Instrument	30044144
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Revocable Trust
Address	PO BOX 17027, CHAPEL HILL, NC 27516-7027

Tax Assessment & Valuation

Source: Orange County assessment roll, as of October 20, 2026

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Carrboro Town
County	Orange County
Unified School District	Chapel Hill-Carrboro Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$8,020.00 (+3.08%)	$557,600 (-) Land $275,000 Building $282,600	$557,600 (-) Land $275,000 Building $282,600
2025	$7,780.00 (+11.81%)	$557,600 (+35.93%) Land $275,000 Building $282,600	$557,600 (+35.93%) Land $275,000 Building $282,600
2023	$6,958.00	$410,200 Land $185,000 Building $225,200	$410,200 Land $185,000 Building $225,200

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 June 9, 2026 · 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
Nearby Flood Policies	2 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.01% 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	ORANGE WATER & SEWER AUTHORITY serves 86,500 people · EPA ID NC0368010
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	Under 1 ppb (2026–2028) 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 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Google Fiber.

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