Cumberland County property record for 4509 Ruby Rd, Fayetteville, NC 28311
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,118 sqft · built 1982 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $23,000 (Nov 2011) |
| Tax Bill | $2,152 (2026) |
| Deeds & Mortgages | Oct 2024 Mortgage Feb 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 0520-51-5723 |
| Primary APN | 0520-51-5723 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,118 sqft Heated Area |
| 1st Floor Area | 1,118 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1982 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 11,326 sqft (0.26 acres) |
| Lot Dimensions | 131 ft deep x 87 ft wide |
| Garage Area | 312 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 64 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air |
| Heating Fuel | Gas |
| Street Address | 4509 RUBY RD |
|---|---|
| City | FAYETTEVILLE |
| State | NC |
| Zip | 28311-1843 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | SF10 |
| Legal Description | TIFFANY PINES LO:392 SE:08 BL:00000 PL:0049-0045 UN:01 |
| Legal Subdivision | TIFFANY PINES |
| Legal Block | 51 |
| Legal Lot Number | 392 |
| Jurisdiction | CUMBERLAND NC |
| Township / Civil Division | CARVERS CREEK |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 2501 |
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 | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2024 | Deed of Trust, Mortgage · FHA Mortgage MIDFIRST BANK |
| Feb 25, 2022 | Deed of Trust, Mortgage · FHA Mortgage MIDLAND MORTGAGE |
| Nov 15, 2017 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTH CAROLINA HOUSING FINANCE AGENCY |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2011 · Amount on Record |
| Deed Sale | Nov 18, 2011 · Amount on Record |
| Prior Sale | Sep 17, 2002 · Amount on Record |
| Deed Book / Page | 8766 / 436 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Investor | Possibly a Property Investor |
| Document Number | 0120870835 |
|---|---|
| Date | Oct 18, 2024 |
| Book Page | 12087/835 |
| Instrument | 31478 |
| Name | MIDFIRST BANK |
|---|---|
| Type | Bank |
| Address | 501 NW GRAND BLVD, OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 206 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Transaction Type | Mortgage |
| Record Updated | May 8, 2026 |
| Title Company | FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|---|
| Address | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Investor | Possibly a Property Investor |
| Document Number | 0114020367 |
|---|---|
| Date | Feb 25, 2022 |
| Book Page | 11402/367 |
| Instrument | 8054 |
| Name | MIDLAND MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | OKLAHOMA CITY, OK 73118 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 238 Months |
| Due | Dec 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CUMBERLAND NC |
| Property Address | 4509 RUBY RD, FAYETTEVILLE, NC 28311-1843 |
| Transaction Type | Mortgage |
| Record Updated | Aug 22, 2022 |
| Title Company | ATTORNEY |
| Name | Verified Name |
|---|
| Document Number | 0102040407 |
|---|---|
| Date | Nov 15, 2017 |
| Book Page | 10204/407 |
| Instrument | 36008 |
| Name | NORTH CAROLINA HOUSING FINANCE AGENCY |
|---|
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Nov 9, 2020 |
| Rate Type | Fixed Rate |
|---|
Source: Cumberland County assessment roll, as of December 19, 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 |
|---|---|---|---|
| 2026 | $2,152.00 (+0.47%) | ||
| 2025 | $2,142.00 (+51.7%) | $131,936 (+70.71%) Land $30,000 Building $101,936 | $131,936 (+70.71%) Land $30,000 Building $101,936 |
| 2024 | $1,412.00 (+6.49%) | $77,287 (-) Land $12,000 Building $65,287 | $77,287 (-) Land $12,000 Building $65,287 |
| 2023 | $1,326.00 (+8.42%) | $77,287 Land $12,000 Building $65,287 | $77,287 Land $12,000 Building $65,287 |
| 2022 | $1,223.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 94% of the US · lower than 96% 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 362 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 |
| AT&T Fixed Wireless | 100 / 20 |
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