436 Stephens Rd, Ruffin, NC 27326 Property Records

Rockingham County property record for 436 Stephens Rd, Ruffin, NC 27326

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,708 sqft · built 1998
Lot Size	10 acres (435,600 sqft)
Owner	Individual Name on Record
Tax Bill	$1,613 (2023)
Deeds & Mortgages	Oct 2022 Mortgage Mar 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8919-00-76-1933-00`

Property Details

APN / Parcel Number

Primary APN	`8919-00-76-1933-00`
Alternative APN	`164718`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,708 sqft Finished Area
1st Floor Area	1,148 sqft
2nd Floor Area	560 sqft
Fireplaces	1 Fireplace
Fireplace	Single

Exterior

Year Built	Built 1998
Construction Type	Masonry / Concrete Block
Lot Area	435,600 sqft (10 acres)
Garage Area	576 sqft
Porch	Porch
Porch Area	623 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Account Number	164718
Street Address	436 STEPHENS RD
City	RUFFIN
State	NC
Zip	27326-9039
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES AG COUNTY
Legal Description	10 AC STEPHENS RD
Legal Subdivision	SURVEY CHARLES W STRADER & TON
Legal Block	76
Jurisdiction	ROCKINGHAM NC
Township / Civil Division	RUFFIN
Census Block Group	2
Census Block	2010
Census Tract	40101

Owner

Source: Rockingham County records, as of October 25, 2023

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	436 STEPHENS RD, RUFFIN, NC 27326-9039
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2022	Deed of Trust, Mortgage AMERICAN PARTNERS FCU
Mar 9, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 9, 2021
Transfer Doc	0000609370
Record Updated	Jun 7, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM NC
Property Address	436 STEPHENS RD, RUFFIN, NC 27326-9039
Transaction Type	Mortgage
Record Updated	Nov 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000633277
Date	Oct 26, 2022
Book Page	1636/2850
Instrument	633277

Lender

Name	AMERICAN PARTNERS FCU
Type	Credit Union
Address	REIDSVILLE, NC 27320

Agreement

Amount	Amount Recorded

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ROCKINGHAM NC
Recording Date	Mar 9, 2021
Property Address	436 STEPHENS RD, RUFFIN, NC 27326-9039
Document Number	0000609370
Book / Page	1596 / 2409
Instrument Date	Dec 4, 2020
Instrument	609370
Transaction Type	Transfer
Record Updated	Aug 12, 2021

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	436 STEPHENS RD, RUFFIN, NC 27326-9039

Mortgage

Document Number	0000609371
Date	Mar 9, 2021
Instrument	609371

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jan 1, 2036

Tax Assessment & Valuation

Source: Rockingham County assessment roll, as of January 1, 2023

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$1,613.00	$210,932 Land $43,570 Building $167,362	$210,932 Land $43,570 Building $167,362

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 9, 2026

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	Low lower than 80% of the US · lower than 76% of North Carolina
Wildfire Likelihood	0.02% 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 14 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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