405 E Ross St, Saint Pauls, NC 28384 Property Records

Robeson County property record for 405 E Ross St, Saint Pauls, NC 28384

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,116 sqft · built 2021
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (Dec 2022)
Tax Bill	$1,305 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Dec 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`381602035`

Property Details

APN / Parcel Number

Primary APN	`381602035`
Alternative APNs	`1215900` `1223585`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,116 sqft Finished Area

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Traditional
Lot Area	11,326 sqft (0.26 acres)
Lot Dimensions	77 ft deep x 148 ft wide
Garage Area	616 sqft
Porch	Patio
Patio Area	140 sqft

Location & Zoning

Account Number	1223585
Street Address	405 E ROSS ST
City	SAINT PAULS
State	NC
Zip	28384-1927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R8
Legal Description	LT 112 ROBESON TEXTILES
Legal Subdivision	OLD ROBESON TEXTILES
Legal Lot Number	112
Jurisdiction	ROBESON NC
Township / Civil Division	ST. PAULS
Census Block Group	3
Census Block	3043
Census Tract	960102

Owner

Source: Robeson County records, as of October 14, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE CAPITAL
Dec 2, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 21, 2021	Deed of Trust, Mortgage · Construction Mortgage LUMBEE GUARANTY BANK
Apr 1, 2021	Warranty Deed, Transfer
Nov 24, 2021	Special Warranty Deed, Transfer
Nov 13, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 2, 2022 · Amount on Record
Deed Sale	Dec 2, 2022 · Amount on Record
Prior Sale	Nov 13, 2020 · Amount on Record
Deed Document Number	202211631
Deed Book / Page	2378 / 489
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROBESON NC
Recording Date	Oct 5, 2026
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Document Number	0000009135
Book / Page	2605 / 448
Instrument Date	Sep 30, 2026
Instrument	20269135
Transaction Type	Mortgage
Record Updated	Oct 14, 2026
Title Company	LIBERTY TITLE AND ESCROW, LIBERTY TITLE & ESCROW CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927

Mortgage

Document Number	0000009135,
Date	Oct 5, 2026
Book Page	2605/448
Instrument	20269135

Lender

Name	MORTGAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROBESON NC
Recording Date	Dec 2, 2022
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Document Number	002378/489
Book / Page	2378 / 489
Map Reference	MB 7 PG 3
Instrument Date	Nov 29, 2022
Instrument	2022011631
Transaction Type	Transfer
Record Updated	Dec 15, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	5362 DEBUT AVE, HOPE MILLS, NC 28348-7565

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927

Mortgage

Document Number	2022011632
Date	Dec 2, 2022
Instrument	2022011632

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROBESON NC
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Transaction Type	Mortgage
Record Updated	Nov 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	233 TAILWINDS LN, SAINT PAULS, NC 28384-8579

Mortgage

Document Number	002280/510
Date	Apr 21, 2021
Book Page	2280/510
Instrument	2021003647

Lender

Name	LUMBEE GUARANTY BANK
Type	Bank
Address	SAINT PAULS, NC 28384

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROBESON NC
Recording Date	Apr 1, 2021
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Document Number	002277/472
Book / Page	2277 / 472
Map Reference	MB 7 PG 3
Instrument Date	Mar 17, 2021
Instrument	2021002989
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 E ROSS ST, 405, SAINT PAULS, NC 28384-1927

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 TAILWINDS LN, SAINT PAULS, NC 28384-8579

November 2021: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	ROBESON NC
Recording Date	Nov 24, 2021
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Document Number	002317/761
Book / Page	2317 / 761
Map Reference	MB 23 PG 8
Instrument Date	Mar 17, 2021
Instrument	2021011278
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	223 TAILWINDS LN, 223, SAINT PAULS, NC 28384-8579

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROBESON NC
Recording Date	Nov 13, 2020
Property Address	405 E ROSS ST, SAINT PAULS, NC 28384-1927
Document Number	002256/625
Book / Page	2256 / 625
Map Reference	MB 23 PG 8
Instrument Date	Nov 12, 2020
Instrument	2020009506
Transaction Type	Transfer
Record Updated	Nov 22, 2022

Transaction

Amount	Amount Recorded
Tax	$14.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	353 MONROE RD, 353, SAINT PAULS, NC 28384-7002

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5308 DEBUT AVE, HOPE MILLS, NC 28348-7565

Tax Assessment & Valuation

Source: Robeson County assessment roll, as of September 25, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Robeson County
Municipality	St. Pauls Town
Unified School District	Robeson County Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,305.00 (+35.09%)	$163,400 (+30.2%) Land $8,400 Building $155,000	$163,400 (+30.2%) Land $8,400 Building $155,000
2023	$966.00 (+2.33%)	$125,500 (+2.28%) Land $7,600 Building $117,900	$125,500 (+2.28%) Land $7,600 Building $117,900
2022	$944.00	$122,700 Land $7,600 Building $115,100	$122,700 Land $7,600 Building $115,100

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 18, 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	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	Moderate above 64% of the US · above 87% of North Carolina
Wildfire Likelihood	0.2% 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	TOWN OF SAINT PAULS serves 2,385 people · EPA ID NC0378030
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Brightspeed.

Cell Coverage

5G (outdoors only) and 4G LTE

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