185 Stephens Rd, Ruffin, NC 27326 Property Records

Rockingham County property record for 185 Stephens Rd, Ruffin, NC 27326 · Last verified April 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bathrooms	1.5 Baths
Year Built	Built 1991
Square Footage	2,221 sqft Finished Area
Lot Size	32,670 sqft (0.75 acres)
Occupancy	Owner Occupied
Tax Bill	$1,610.00 (2025)

Owner

Source: Rockingham County records · APN 8919-00-69-6289-00

Assessment roll updated August 28, 2025 · Last verified April 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 File
Mailing Address	185 STEPHENS RD, RUFFIN, NC 27326-9036
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Apr 02, 2010
Transfer Doc	20100003629
Record Refreshed	Jun 08, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM NC
Property Address	185 STEPHENS RD, RUFFIN, NC 27326-9036
Transaction Type	Mortgage
Record Updated	Nov 26, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000619536
Date	Nov 08, 2021
Book Page	1614/210
Instrument	619536

Lender

Name	FIGURE LENDING LLC
Type	Mortgage Company
Address	RENO, NV 89501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Nov 29, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Rockingham County records · Assessment roll updated August 28, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Rockingham County
Unified School District	Rockingham County Schools (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,610.00 (+53.04%)	$255,969 (+85.98%) Land $7,662 Building $248,307	$255,969 (+85.98%) Land $7,662 Building $248,307
2023	$1,052.00	$137,633 Land $6,966 Building $130,667	$137,633 Land $6,966 Building $130,667

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Rockingham County (37157C), updated June 9, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 5,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Property Details

APN / Parcel Number

Primary APN	`8919-00-69-6289-00`
Alternative APN	`159352`

Interior

Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,221 sqft Finished Area
1st Floor	1,445 sqft 1st Floor
Upper Floors	264 sqft Upper Floors
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Construction Type	Frame Construction
Lot Area	32,670 sqft (0.75 acres)

Exterior Amenities

Deck Area	Deck Area
Patio Area	216 sqft Patio
Porch	1 Porch
Porch Area	204 sqft Porch

Utilities and HVAC

Heating System	Heat Pump Heating
Heating Fuel	Geo-Thermal Heating Fuel

Location & Zoning

Account Number	159352
Street Address	185 STEPHENS RD
City	RUFFIN
State	NC
Zip	27326-9036
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	75 AC GREGORY MOSER SURV EY SEPT 2, 1995 MOSER GREGORY SURVEY
Jurisdiction	ROCKINGHAM NC
Minor Civil Division	RUFFIN
Census Blockgroup	2
Census Block	2009
Census Tract	40101