251 Hwy 109 S, Ruby, SC 29741 Property Records

Chesterfield County property record for 251 Hwy 109 S, Ruby, SC 29741

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	2 ba · 1,588 sqft · built 1990
Lot Size	2 acres (87,120 sqft)
Owner	2 Individuals on Record
Last Sale	$275,000 (Jul 2025)
Tax Bill	$3,341 (2025)
Deeds & Mortgages	Jul 2025 Sale & Line of Credit Feb 2025 Sale
Flood Zone	Zone X (minimal risk)
APN	`130 000 000 093`

Property Details

APN / Parcel Number

Primary APN	`130 000 000 093`
Alternative APNs	`00016678` `00923393` `923393`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	1,588 sqft Total Area
1st Floor Area	1,588 sqft
Basement Area	110 sqft
Unfinished Basement	110 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Lot Area	87,120 sqft (2 acres)
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	00016678
Street Address	251 HIGHWAY 109 S
City	RUBY
State	SC
Zip	29741-5701
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	2.00 ACRE LOT
Legal Subdivision	BOUNDARY SURVEY
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHESTERFIELD
Census Block Group	2
Census Block	2075
Census Tract	950402

Owner

Source: Chesterfield County assessment roll, as of February 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	251 HIGHWAY 109 S, RUBY, SC 29741-5701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2025	Deed, Transfer · Line of Credit FOUNDERS FCU
Feb 13, 2025	Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2025 · Amount on Record
Deed Sale	Jul 15, 2025 · Amount on Record
Deed Document Number	20252755
Deed Book / Page	576 / 773
Prior Transfer Date	Feb 13, 2025
Prior Transfer Doc	000572/498
Record Updated	Jun 8, 2026

July 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jul 15, 2025
Property Address	251 HIGHWAY 109 S, RUBY, SC 29741-5701
Document Number	000576/773
Book / Page	576 / 773
Map Reference	MB 43 PG 47
Instrument Date	Jul 9, 2025
Instrument	2025-2755
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$715.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	251 HIGHWAY 109 S, RUBY, SC 29741-5701

Mortgage

Document Number	0020252756
Date	Jul 15, 2025
Instrument	2025-2756

Lender

Name	FOUNDERS FCU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Aug 5, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Change Frequency	15 Years
Min Rate At Change	3%
Max Rate At Change	12.2%
Index	10-Year CMTI
Max Rate	12.2%

February 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Feb 13, 2025
Property Address	251 HIGHWAY 109 S, RUBY, SC 29741-5701
Document Number	000572/498
Book / Page	572 / 498
Instrument Date	Feb 13, 2025
Instrument	2025-487
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	508 HAWTHORNE AVE, SUMMERVILLE, SC 29483-5523

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Chesterfield County
Unified School District	Chesterfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,341.00 (+626.3%) Homeowner's exemption	$6,760 (+22.02%) Land $320 Building $6,440
2024			$142,400 (-) Land $6,000 Building $136,400
2023	$460.00 Homeowner's exemption	$5,540 Land $240 Building $5,300	$142,400 Land $6,000 Building $136,400

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

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

Wildfire Risk	Moderate above 50% of the US · above 54% of South Carolina
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverNet Connect Fiber	1,000 / 1,000
Sandhill Telephone Cooperative Fiber	1,000 / 1,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Hwy 109 S

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