5174 Cross Roads Church Rd, Ruby, SC 29741 Property Records

Chesterfield County property record for 5174 Cross Roads Church Rd, Ruby, SC 29741

Property Summary

Property Type	Single Family Home
Details	3 ba · 1,960 sqft · built 2007
Lot Size	1.04 acres (45,302 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Aug 2007)
Tax Bill	$803 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Feb 2008 Line of Credit + 7 more
Flood Zone	Zone X (minimal risk)
APN	`109 000 000 079`

Property Details

APN / Parcel Number

Primary APN	`109 000 000 079`
Alternative APNs	`00015230` `00838293` `838293`

Interior

Full Baths	3 Baths
Stories	1 Story
Building Area	1,960 sqft Total Area
1st Floor Area	2,001 sqft

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Lot Area	45,302 sqft (1.04 acres)

Location & Zoning

Account Number	00015230
Street Address	5174 CROSS ROADS CHURCH RD
City	RUBY
State	SC
Zip	29741-6703
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2-1.04 ACRE LOT
Legal Subdivision	NANCY ANN AND JOHN E RYMAN JR
Legal Tract	2
Legal Lot Number	2
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	MOUNT CROGHAN
Census Block Group	2
Census Block	2053
Census Tract	950300

Owner

Source: Chesterfield County records, as of February 10, 2026

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	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage CARRINGTON MORTGAGE SERVICES LLC
Feb 29, 2008	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST CO INC
Jul 13, 2010	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAPITAL LLC
Aug 31, 2009	Deed of Trust, Mortgage · Conventional Mortgage FOUNDERS FCU
May 12, 2008	Deed of Trust, Mortgage · Line of Credit FIRST CITIZENS BANK AND TRUST CO INC
Sep 9, 2011	Deed of Distribution, Transfer
Feb 29, 2008	Deed, Transfer
Feb 29, 2008	Deed, Transfer
Aug 27, 2007	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2007 · Amount on Record
Deed Sale	Aug 27, 2007 · Amount on Record
Deed Document Number	20074067
Deed Book / Page	438 / 644
Last Transfer Date	Feb 28, 2008
Transfer Doc	00442/0953
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000534/971
Date	Mar 23, 2022
Book Page	534/971
Instrument	202200001323

Lender

Name	CARRINGTON MORTGAGE SERVICES LLC
Type	Mortgage Company
Address	ANAHEIM, CA 92806

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

February 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00429/1052
Date	Feb 29, 2008
Book Page	429/1052
Instrument	200800000917

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	61 Months
Due	Mar 13, 2013

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00447/0947
Date	Jul 13, 2010
Book Page	447/0947
Instrument	201000002380

Lender

Name	RELIANCE FIRST CAPITAL LLC
Type	Non-Lending Institution
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2040

Interest

Rate Type	Fixed Rate
Rate	3.75%
Type Change Date	Jul 1, 2015
Change Frequency	Annually
Min Rate At Change	1%
Index	1-Year T-Bill
Max Rate	5%

August 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00442/0381
Date	Aug 31, 2009
Book Page	442/0381
Instrument	200900003030

Lender

Name	FOUNDERS FCU
Type	Credit Union
Address	LANCASTER, SC 29720

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 15, 2024

May 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00431/1161
Date	May 12, 2008
Book Page	431/1161
Instrument	200800002028

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	PAGELAND, SC 29728

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 20, 2013

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2011: Deed of Distribution, Transfer

Document Type	Deed of Distribution
Jurisdiction	CHESTERFIELD SC
Recording Date	Sep 9, 2011
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Document Number	00465/0840
Book / Page	465 / 0840
Instrument Date	Sep 8, 2011
Instrument	201100002848
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	00000

February 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Feb 29, 2008
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Document Number	00442/0953
Book / Page	442 / 0953
Map Reference	MB 39 PG 37
Instrument Date	Feb 28, 2008
Instrument	200800000916
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5134 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703

February 2008: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Feb 29, 2008
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Document Number	00442/0948
Book / Page	442 / 0948
Map Reference	MB H PG 48
Instrument Date	Feb 21, 2008
Instrument	200800000915
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703

August 2007: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Aug 27, 2007
Property Address	5174 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703
Document Number	00438/0644
Book / Page	438 / 0644
Map Reference	MB 39 PG 37
Instrument Date	Aug 24, 2007
Instrument	200700004067
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$536.50
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5134 CROSS ROADS CHURCH RD, RUBY, SC 29741-6703

Tax Assessment & Valuation

Source: Chesterfield County assessment roll, as of February 10, 2026

Property Jurisdictions

Type	Name
State	South Carolina
County	Chesterfield County
Unified School District	Chesterfield County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$803.00 (+28.27%)	$5,820 (+15.02%) Land $230 Building $5,590	$184,900 (+46.17%) Land $6,200 Building $178,700
2023	$626.00	$5,060 Land $200 Building $4,860	$126,500 Land $5,000 Building $121,500

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 25, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 43% of the US · lower than 67% of South Carolina
Wildfire Likelihood	0.06% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverNet Connect Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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