Stanly County property record for 159 Ruby's Way, Oakboro, NC 28129
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,673 sqft · built 2021 |
| Lot Size | 0.34 acres (14,810 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $370,000 (Feb 2026) |
| Tax Bill | $3,792 (2026) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage Jul 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 650404610641 |
| Primary APN | 650404610641 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,673 sqft Finished Area |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2021 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Composition Shingle |
| Lot Area | 14,810 sqft (0.34 acres) |
| Garage Type | Attached |
| Garage Area | 462 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Account Number | 1554020 |
|---|---|
| Street Address | 159 RUBYS WAY |
| City | OAKBORO |
| State | NC |
| Zip | 28129-7420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R-15 |
| Legal Description | HSE 159 RUBYS WAY LOT 35 RUBY RIDGE SUBD 650404146 |
| Legal Subdivision | RUBY RIDGE |
| Legal Lot Number | 35 |
| Jurisdiction | STANLY NC |
| Township / Civil Division | BIG LICK |
| Census Block Group | 1 |
| Census Block | 1036 |
| Census Tract | 930901 |
Source: Stanly County records, as of October 6, 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 | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 3, 2026 | Warranty Deed, Transfer · Conventional Mortgage STATE EMPLOYEES CU |
| Jul 21, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage AMERICAN SECURITY MORTGAGE CORP |
| Jan 6, 2021 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Feb 3, 2026 · Amount on Record |
| Deed Sale | Feb 3, 2026 · Amount on Record |
| Prior Sale | Jul 21, 2022 · Amount on Record |
| Deed Document Number | 2026484808 |
| Deed Book / Page | 1908 / 473 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Feb 3, 2026 |
| Property Address | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Document Number | 0000484808 |
| Book / Page | 1908 / 473 |
| Map Reference | MB 21 PG 66 |
| Instrument Date | Jan 23, 2026 |
| Instrument | 484808 |
| Transaction Type | Transfer |
| Record Updated | May 1, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $740.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 693 PLATOON DR, GALLOWAY, OH 43119-8839 |
| Name | Verified Name |
|---|---|
| Address | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Document Number | 0000484809 |
|---|---|
| Date | Feb 3, 2026 |
| Instrument | 484809 |
| Name | STATE EMPLOYEES CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.65% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Mar 1, 2031 |
| Change Frequency | 5 Years |
| Min Rate At Change | 3.65% |
| Max Rate At Change | 7.65% |
| Index | 5-Year CMT |
| Max Rate | 11.6% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jul 21, 2022 |
| Property Address | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Document Number | 0000449384 |
| Book / Page | 1793 / 1195 |
| Map Reference | MB 21 PG 66 |
| Instrument Date | Jul 21, 2022 |
| Instrument | 449384 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 25, 2022 |
| Title Company | MOREHEAD TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $751.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 100 W GARDEN ST, 100, PENSACOLA, FL 32502-5696 |
| Name | Verified Name |
|---|---|
| Address | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Document Number | 0000449385 |
|---|---|
| Date | Jul 21, 2022 |
| Instrument | 449385 |
| Name | AMERICAN SECURITY MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STANLY NC |
| Recording Date | Jan 6, 2021 |
| Property Address | 159 RUBYS WAY, OAKBORO, NC 28129-7420 |
| Document Number | 0000427748 |
| Book / Page | 001725 / 001591 |
| Instrument Date | Dec 31, 2020 |
| Instrument | 427748 |
| Transaction Type | Transfer |
| Record Updated | Feb 3, 2021 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $410.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 3000 GULF BREEZE PKWY GULF BREEZE FL 325635623, GULF BREEZE, FL 32563-5623 |
| Investor | Possibly a Property Investor |
Source: Stanly County assessment roll, as of October 6, 2026
| Type | Name |
|---|---|
| State | North Carolina |
| County | Stanly County |
| Municipality | Oakboro Town |
| Unified School District | Stanly County Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,792.00 (+3.89%) | $390,934 (+3.88%) Land $55,000 Building $335,934 | $390,934 (+3.88%) Land $55,000 Building $335,934 |
| 2025 | $3,650.00 (+21.26%) | $376,330 (+27.52%) Land $55,000 Building $321,330 | $376,330 (+27.52%) Land $55,000 Building $321,330 |
| 2023 | $3,010.00 | $295,118 Land $40,000 Building $255,118 | $295,118 Land $40,000 Building $255,118 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective May 30, 2024 · 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 | 1 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | TOWN OF OAKBORO serves 3,173 people · EPA ID NC0184020 |
|---|---|
| Water Source | Purchased surface water from STANLY CO-WEST STANLY DIST |
| Last State Inspection | Feb 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Windstream Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
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