4455 Ruby Rd, Fayetteville, NC 28311 Property Records

Cumberland County property record for 4455 Ruby Rd, Fayetteville, NC 28311

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,266 sqft · built 1980
Lot Size	0.27 acres (11,761 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,745 (2026)
Deeds & Mortgages	Mar 2024 Line of Credit May 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0520-40-8670`

Property Details

APN / Parcel Number

Primary APN	`0520-40-8670`
Alternative APN	`0520.18408670`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Stories	1 Story
Building Area	2,266 sqft Heated Area
1st Floor Area	2,266 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Traditional
Exterior Material	Combination
Foundation Type	Stone
Roof Type	Gable
Roof Material	Metal
Lot Area	11,761 sqft (0.27 acres)
Lot Dimensions	141 ft deep x 108 ft wide
Porch	Slab
Porch Area	124 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4455 RUBY RD
City	FAYETTEVILLE
State	NC
Zip	28311-1841
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	TIFFANY PINES LO:9 SE:02 BL:00000 PL:0045-0057
Legal Subdivision	TIFFANY PINES
Legal Block	40
Legal Lot Number	9
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CARVERS CREEK
Census Block Group	1
Census Block	1013
Census Tract	2501

Owner

Source: Cumberland County records, as of October 20, 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	448 W SUMMERCHASE DR, FAYETTEVILLE, NC 28311-6305
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2024	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
May 6, 2022	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK & TRUST CO
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	4455 RUBY RD, FAYETTEVILLE, NC 28311-1841
Transaction Type	Mortgage
Record Updated	Apr 4, 2024
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 W SUMMERCHASE DR, FAYETTEVILLE, NC 28311-6305

Mortgage

Document Number	0119320049
Date	Mar 21, 2024
Book Page	11932/49
Instrument	8079

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	PO BOX 26592, RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	4455 RUBY RD, FAYETTEVILLE, NC 28311-1841
Transaction Type	Mortgage
Record Updated	Jul 4, 2022
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	448 W SUMMERCHASE DR, FAYETTEVILLE, NC 28311-6305

Mortgage

Document Number	0114660610
Date	May 6, 2022
Book Page	11466/610
Instrument	18844

Lender

Name	FIRST CITIZENS BANK & TRUST CO
Type	Bank
Address	RALEIGH, NC 27611

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	4455 RUBY RD, FAYETTEVILLE, NC 28311-1841
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0107850207
Date	Jun 8, 2020
Book Page	10785/207
Instrument	19520

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	353 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

Source: Cumberland County assessment roll, as of December 19, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,745.00 (+3.55%)
2025	$2,651.00 (+48.6%)	$193,066 (+59.79%) Land $30,000 Building $163,066	$193,066 (+59.79%) Land $30,000 Building $163,066
2024	$1,784.00 (+5.69%)	$120,825 (-) Land $12,000 Building $108,825	$120,825 (-) Land $12,000 Building $108,825
2023	$1,688.00 (+7.31%)	$120,825 Land $12,000 Building $108,825	$120,825 Land $12,000 Building $108,825
2022	$1,573.00

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 March 12, 2025 · 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	1 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 46% of the US · above 67% of North 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	FAYETTEVILLE PUBLIC WORKS COMM serves 226,441 people · EPA ID NC0326010
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2026–2028) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 325 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Brightspeed.

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