2655 Hwy 109 S, Ruby, SC 29741 Property Records

Chesterfield County property record for 2655 Hwy 109 S, Ruby, SC 29741

Property Summary

Property Type	Rural Home
Details	1,722 sqft · built 1991
Lot Size	8.8 acres (383,328 sqft)
Owner	2 Individual Names on Record
Last Sale	$248,000 (Apr 2017)
Tax Bill	$1,109 (2025)
Deeds & Mortgages	Sep 2022 Second Mortgage Sep 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`132 000 000 121`

Property Details

APN / Parcel Number

Primary APN	`132 000 000 121`
Alternative APNs	`00017170` `00947993` `947993`

Interior

Stories	1 Story
Building Area	1,722 sqft Total Area
1st Floor Area	1,722 sqft

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Lot Area	383,328 sqft (8.8 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	00017170
Street Address	2655 HIGHWAY 109 S
City	RUBY
State	SC
Zip	29741-5724
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	8.80 ACRE TRACT
Legal Subdivision	PROPERTY OF STEPHEN ERDY JR
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	CHESTERFIELD
Census Block Group	2
Census Block	2093
Census Tract	950402

Owner

Source: Chesterfield County records, 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 Individual Names on Record
Mailing Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage FOUNDERS FCU
Sep 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
Apr 20, 2017	Warranty Deed, Transfer · ARM FOUNDERS FCU
Aug 25, 2009	Deed, Transfer
Jun 3, 2008	Deed, Transfer
Sep 14, 2005	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 20, 2017 · Amount on Record
Deed Sale	Apr 20, 2017 · Amount on Record
Prior Sale	Aug 25, 2009 · Amount on Record
Deed Document Number	20171556
Deed Book / Page	505 / 189
Prior Transfer Date	Sep 13, 2005
Prior Transfer Doc	00422/0088
Record Updated	Jun 8, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000539/861
Date	Sep 19, 2022
Book Page	539/861
Instrument	2022-4003

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Oct 5, 2037

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724

Mortgage

Document Number	000539/839
Date	Sep 19, 2022
Book Page	539/839
Instrument	2022-4002

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 5, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Type Change Date	Oct 5, 2037
Change Frequency	10 Years
Min Rate At Change	3%
Max Rate At Change	11.2%
Index	10-Year TN
Margin	2
Max Rate	11.2%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Apr 20, 2017
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Document Number	00505/0189
Book / Page	505 / 0189
Map Reference	PL C PG 1-F
Instrument Date	Apr 20, 2017
Instrument	201700001556
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$917.60
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	2655 HIGHWAY 109 S, RUBY, SC 29741-5724

Mortgage

Document Number	00490/1457
Date	Apr 20, 2017
Book Page	490/1457
Instrument	201700001557

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	May 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2032
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	11%
Max Rate	11%

August 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Aug 25, 2009
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Document Number	00452/0562
Book / Page	452 / 0562
Instrument Date	Aug 21, 2009
Instrument	200900002946
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$177.60
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	233 HORNE RD, PEACHLAND, NC 28133-8123

June 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jun 3, 2008
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Document Number	00444/0741
Book / Page	444 / 0741
Instrument Date	May 30, 2008
Instrument	200800002367
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Tax	$499.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724

September 2005: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHESTERFIELD SC
Recording Date	Sep 14, 2005
Property Address	2655 HIGHWAY 109 S, RUBY, SC 29741-5724
Document Number	00422/0088
Book / Page	422 / 0088
Map Reference	MB 39 PG 56
Instrument Date	Sep 13, 2005
Instrument	200500004563
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 702, CHESTERFIELD, SC 29709-0702

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	$1,109.00 (+27.18%)	$8,340 (+14.88%) Land $260 Building $8,080
2024			$196,200 (-) Land $20,600 Building $175,600
2023	$872.00	$7,260 Land $240 Building $7,020	$196,200 Land $20,600 Building $175,600

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 27 locations within half a mile, as of December 31, 2025

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

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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