Cumberland County property record for 4495 Ruby Rd, Fayetteville, NC 28311
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,100 sqft · built 1982 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Apr 2024) |
| Tax Bill | $2,086 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Apr 2024 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0520-51-1532 |
| Primary APN | 0520-51-1532 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,100 sqft Heated Area |
| 1st Floor Area | 1,100 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Architectural Style | Traditional |
| Exterior Material | Wood Siding |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.289 acres) |
| Lot Dimensions | 132 ft deep x 83 ft wide |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Patio Area | 80 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Electric |
| Old Parcel Number | 0520.19511532 |
|---|---|
| Street Address | 4495 RUBY RD |
| City | FAYETTEVILLE |
| State | NC |
| Zip | 28311-1844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | TIFFANY PINES LO:387 SE:8-PT1 PL:0049-0045 |
| Legal Subdivision | TIFFANY PINES |
| Legal Lot Number | 387 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | CARVERS CREEK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2501 |
Source: Cumberland County records, as of December 18, 2025
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 | 4495 RUBY RD, FAYETTEVILLE, NC 28311-1844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 26, 2025 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Apr 29, 2024 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 18, 2024 | Warranty Deed, Transfer · Commercial Mortgage PANTHEON CAPITAL ADVISORS INC A NOR |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2024 · Amount on Record |
| Deed Sale | Apr 29, 2024 · Amount on Record |
| Prior Sale | Jan 18, 2024 · Amount on Record |
| Deed Document Number | 0011958623 |
| Deed Book / Page | 11958 / 623 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 4495 RUBY RD, FAYETTEVILLE, NC 28311-1844 |
| Transaction Type | Mortgage |
| Record Updated | Dec 4, 2025 |
| Name | Verified Name |
|---|---|
| Address | 907 KIRBY CT, MOUNT HOLLY, NJ 08060-1082 |
| Document Number | 0123890151 |
|---|---|
| Date | Nov 26, 2025 |
| Book Page | 12389/151 |
| Instrument | 37600 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | 3043 TOWNSGATE RD # 200, WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 4495 RUBY RD, FAYETTEVILLE, NC 28311-1844 |
| Transaction Type | Mortgage |
| Record Updated | May 13, 2024 |
| Name | Verified Name |
|---|
| Document Number | 0119580626 |
|---|---|
| Date | Apr 29, 2024 |
| Book Page | 11958/626 |
| Instrument | 12255 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | 1400 FORUM BLVD STE 18, COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Recording Date | Jan 18, 2024 |
| Property Address | 4495 RUBY RD, FAYETTEVILLE, NC 28311-1844 |
| Document Number | 0118920777 |
| Book / Page | 11892 / 777 |
| Map Reference | MB 49 PG 45 |
| Instrument Date | Jan 16, 2024 |
| Instrument | 1525 |
| Transaction Type | Transfer |
| Record Updated | Feb 29, 2024 |
| Amount | Amount Recorded |
|---|---|
| Tax | $154.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1410 DISTINCT CIRH, FAYETTEVILLE, NC 28314 |
| Name | Verified Name |
|---|---|
| Address | 6135 PARK SOUTH DR # 510495, 510495, CHARLOTTE, NC 28210-3272 |
| Document Number | 0000001526 |
|---|---|
| Date | Jan 18, 2024 |
| Instrument | 1526 |
| Name | PANTHEON CAPITAL ADVISORS INC A NOR |
|---|---|
| Type | Non-Lending Institution |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Jul 10, 2024 |
| Document Number | 0118920779 |
|---|---|
| Date | Jan 18, 2024 |
| Book Page | 11892/779 |
| Instrument | 1526 |
| Name | PANTHEON CAPITAL ADVISORS INC A NORTH CA |
|---|---|
| Type | Non-Lending Institution |
| Address | 65 GLEN RD # 652, GARNER, NC 27529 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 6 Months |
| Due | Jul 10, 2024 |
Source: Cumberland County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | North Carolina |
| County | Cumberland County |
| Municipality | Fayetteville City |
| Unified School District | Cumberland County Schools (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,086.00 (+51.71%) | $129,084 (+82.31%) Land $30,000 Building $99,084 | $129,084 (+82.31%) Land $30,000 Building $99,084 |
| 2024 | $1,375.00 (+6.59%) | $70,803 (-) Land $12,000 Building $58,803 | $70,803 (-) Land $12,000 Building $58,803 |
| 2023 | $1,290.00 (+8.68%) | $70,803 Land $12,000 Building $58,803 | $70,803 Land $12,000 Building $58,803 |
| 2022 | $1,187.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 67% of the US · above 43% of North Carolina |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 33 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 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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