415 Ruth Ave, Kannapolis, NC 28083 Property Records

Cabarrus County property record for 415 Ruth Ave, Kannapolis, NC 28083

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,303 sqft · built 1945
Lot Size	0.193 acres (8,370 sqft)
Owner	Individual Name on File
Tax Bill	$2,401 (2023)
Deeds & Mortgages	Apr 2023 Reverse Mortgage Sep 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`5624 20 4796`

Property Details

APN / Parcel Number

Primary APN	`5624 20 4796`
Alternative APNs	`04026 0015.000000` `43888`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,303 sqft Living Area
Gross Area	1,548 sqft
1st Floor Area	1,303 sqft
Basement Area	468 sqft
Unfinished Basement	468 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 2005
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	8,370 sqft (0.193 acres)
Lot Dimensions	155 ft deep x 54 ft wide
Garage Area	260 sqft
Driveway	Asphalt Driveway
Driveway Area	1,008 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	245 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	43888
Street Address	415 RUTH AVE
City	KANNAPOLIS
State	NC
Zip	28083-3858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R4
Legal Description	LTS 26-29 HILL CREST BLK B
Legal Subdivision	N LITTLE TEXAS
Legal Block	B
Legal Lot Number	26-29
Jurisdiction	CABARRUS NC
Township / Civil Division	4, KANNAPOLIS
Census Block Group	2
Census Block	2015
Census Tract	40705

Owner

415 Ruth Ave is owned and occupied by an individual who acquired it in April 2023.

Source: Cabarrus County records, as of August 27, 2026

Owner of Record	Individual Name on File
Mailing Address	415 RUTH AVE, KANNAPOLIS, NC 28083-3858
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 24, 2023	Intrafamily Transfer, Transfer · Reverse Mortgage MUTUAL OF OMAHA MORTGAGE INC
Sep 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage STATE EMPLOYEES CU
Dec 29, 2017	Deed of Trust, Mortgage · Conventional Mortgage CAPITAL BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Apr 17, 2023
Transfer Doc	0001646022
Record Updated	Oct 29, 2026

April 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CABARRUS NC
Recording Date	Apr 24, 2023
Property Address	415 RUTH AVE, KANNAPOLIS, NC 28083-3858
Document Number	0001646022
Book / Page	16460 / 22
Instrument Date	Apr 17, 2023
Transaction Type	Transfer
Record Updated	May 3, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 RUTH AVE, KANNAPOLIS, NC 28083-3858

Mortgage

Document Number	0001646026
Date	Apr 24, 2023
Book Page	16460/26

Lender

Name	MUTUAL OF OMAHA MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	896 Months
Due	Dec 3, 2097

Interest

Rate Type	Adjustable Rate
Rate	7.74%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2023
Change Frequency	Monthly
Index	1-Year CMT
Max Rate	12.7%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	415 RUTH AVE, KANNAPOLIS, NC 28083-3858
Transaction Type	Mortgage
Record Updated	Sep 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	15497110
Date	Sep 16, 2021
Book Page	15497/110

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union
Address	RALEIGH, NC 27611

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Oct 1, 2041

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CABARRUS NC
Property Address	415 RUTH AVE, KANNAPOLIS, NC 28083-3858
Document Number	12828139
Book / Page	012828 / 000139
Instrument Date	Dec 29, 2017
Transaction Type	Mortgage
Record Updated	Jan 10, 2018
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	415 RUTH AVE KANNAPOLIS NC 280833858, KANNAPOLIS, NC 28083-3858

Mortgage

Document Number	12828139
Date	Dec 29, 2017
Book Page	012828/000139
Instrument	33650

Lender

Name	CAPITAL BK
Type	Bank
Address	FORT MYERS, FL 33966

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 28, 2032

Tax Assessment & Valuation

Source: Cabarrus County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	North Carolina
County	Cabarrus County
Municipality	Kannapolis City
Unified School District	Kannapolis City Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$325,710 (-) Land $65,000 Building $260,710
2025		$325,710 Land $65,000 Building $260,710
2024			$325,710 (+86.02%) Land $65,000 Building $260,710
2023	$2,401.00	$175,090 Land $32,000 Building $143,090	$175,090 Land $32,000 Building $143,090

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

Flood

FEMA maps place 415 Ruth Ave in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2015.

Source: FEMA National Flood Hazard Layer, effective July 1, 2026 · 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	5 in force
Nearby Flood Claims	2 (2015–2018)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Sep 2018 · Hurricane Florence

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

Wildfire risk around 415 Ruth Ave is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.5% of North Carolina
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CITY OF KANNAPOLIS serves 56,050 people · EPA ID NC0180065
Water Source	Surface water
Last State Inspection	May 2026
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 309 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Hotwire Communications.

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