471 Lillard Rd, Ruffin, NC 27326 Property Records

Rockingham County property record for 471 Lillard Rd, Ruffin, NC 27326

Property Summary

Property Type	Single Family Home
Details	1 ba · 2,852 sqft · built 1992
Lot Size	90.7 acres (3,950,892 sqft)
Owner	Individual Name on File
Last Sale	$755,000 (Jun 2021)
Tax Bill	$3,929 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`8020-00-90-8776-00`

Property Details

APN / Parcel Number

Primary APN	`8020-00-90-8776-00`
Alternative APN	`147347`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	2,852 sqft Finished Area
1st Floor Area	2,212 sqft
Basement Area	1,200 sqft
Unfinished Basement	1,200 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Construction Type	Masonry / Concrete Block
Lot Area	3,950,892 sqft (90.7 acres)
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	662 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Account Number	147347
Street Address	471 LILLARD RD
City	RUFFIN
State	NC
Zip	27326-9307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES AG COU
Legal Description	90.07 AC
Legal Lot Number	6
Jurisdiction	ROCKINGHAM NC
Township / Civil Division	RUFFIN
Census Block Group	2
Census Block	2000
Census Tract	40101

Owner

471 Lillard Rd is owned and occupied by an individual who bought it in June 2021.

Source: Rockingham County records, as of September 28, 2026

Owner of Record	Individual Name on File
Mailing Address	471 LILLARD RD, RUFFIN, NC 27326-9307
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Warranty Deed, Transfer · Conventional Mortgage ALCOVA MORTGAGE LLC
Oct 18, 2018	Deed of Trust, Mortgage · ARM CITIBANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2021 · Amount on File
Deed Sale	Jun 21, 2021 · Amount on File
Prior Sale	Apr 1, 2008 · Amount on File
Deed Document Number	2021613739
Deed Book / Page	1604 / 310
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ROCKINGHAM NC
Recording Date	Jun 21, 2021
Property Address	471 LILLARD RD, RUFFIN, NC 27326-9307
Document Number	0000613739
Book / Page	1604 / 310
Instrument Date	Jun 21, 2021
Instrument	613739
Transaction Type	Transfer
Record Updated	Jul 6, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,510.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	471 LILLARD RD, 471, RUFFIN, NC 27326-9307

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7538 NC HIGHWAY 700, RUFFIN, NC 27326-9361

Mortgage

Document Number	0000613740
Date	Jun 21, 2021
Instrument	613740

Lender

Name	ALCOVA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ROCKINGHAM NC
Property Address	471 LILLARD RD, RUFFIN, NC 27326-9307
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000579974
Date	Oct 18, 2018
Book Page	1549/1808
Instrument	579974

Lender

Name	CITIBANK NA
Type	Bank
Address	O FALLON, MO 63368

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.12%
Type Change Date	Nov 1, 2028
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.12%
Index	1-Year LIBOR
Max Rate	9.12%

Tax Assessment & Valuation

The 2026 property tax bill for 471 Lillard Rd was $3,929, down 1.8% from the year before.

Source: Rockingham County assessment roll, as of September 28, 2026

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
2026	$3,929.00 (-1.75%)	$805,718 (-) Land $320,846 Building $484,872	$805,718 (-) Land $320,846 Building $484,872
2025	$3,999.00	$805,718 Land $320,846 Building $484,872	$805,718 Land $320,846 Building $484,872
2023	$2,786.00	$591,351 Land $291,677 Building $299,674	$591,351 Land $291,677 Building $299,674

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

Flood

FEMA maps place 471 Lillard Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 9, 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 471 Lillard Rd is low, with a 0.02% annual chance of 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

Nearby Properties on Lillard Rd

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