4549 Ruby Rd, Fayetteville, NC 28311 Property Records

Cumberland County property record for 4549 Ruby Rd, Fayetteville, NC 28311

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,378 sqft · built 1983
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$107,000 (Sep 2020)
Tax Bill	$2,245 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`0520-62-8453`

Property Details

APN / Parcel Number

Primary APN	`0520-62-8453`
Alternative APN	`0520.19628453`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,378 sqft Heated Area
1st Floor Area	1,066 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Architectural Style	Traditional
Exterior Material	Brick
Foundation Type	Stone
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Lot Dimensions	130 ft deep x 77 ft wide
Porch	Open Porch
Porch Area	64 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air
Heating Fuel	Electric

Location & Zoning

Old Parcel Number	0520.19628453
Street Address	4549 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:431 SE:08 BL:00000 PL:0052-0056 UN:02
Legal Subdivision	TIFFANY PINES
Legal Lot Number	431
Jurisdiction	CUMBERLAND NC
Township / Civil Division	CARVERS CREEK
Census Block Group	1
Census Block	1006
Census Tract	2501

Owner

Source: Cumberland County records · APN 0520-62-8453

Assessment roll updated January 1, 2025 · Last verified December 2025

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 File
Mailing Address	4549 RUBY RD, FAYETTEVILLE, NC 28311-1843
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2020 · Amount on Record
Deed Sale	Sep 17, 2020 · Amount on Record
Deed Document Number	0010878494
Record Updated	Jun 08, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CUMBERLAND NC
Property Address	4549 RUBY RD, FAYETTEVILLE, NC 28311-1843
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0108780499
Date	Sep 17, 2020
Book Page	10878/499
Instrument	34114

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2050

Interest

Rate Type	Adjustable Rate
Rate	4.37%
Type Change Date	Oct 01, 2025
Change Frequency	5 Years
Min Rate At Change	4.25%
Max Rate At Change	6.37%
Index	5-Year CMT
Max Rate	10.3%

Tax Assessment & Valuation

Source: Cumberland County records · Assessment roll updated January 1, 2025 · Last verified December 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,245.00 (+53.77%)	$141,632 (+71.4%) Land $30,000 Building $111,632	$141,632 (+71.4%) Land $30,000 Building $111,632
2024	$1,460.00 (+6.34%)	$82,633 (-) Land $12,000 Building $70,633	$82,633 (-) Land $12,000 Building $70,633
2023	$1,373.00 (+8.28%)	$82,633 Land $12,000 Building $70,633	$82,633 Land $12,000 Building $70,633
2022	$1,268.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Cumberland County (37051C), updated March 12, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 370510025011, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Low lower than 64% of the US · above 50% of North Carolina
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 362 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	FAYETTEVILLE PUBLIC WORKS COMM serves 226,441 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.