5346 Cross Roads Church Rd, Ruby, SC 29741 Property Records

Chesterfield County property record for 5346 Cross Roads Church Rd, Ruby, SC 29741

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	built 2005
Lot Size	6.2 acres (270,072 sqft)
Owner	Individual Name on Record
Last Sale	$240,000 (Jun 2026)
Tax Bill	$1,064 (2025)
Deeds & Mortgages	Oct 2012 Mortgage Jun 2016 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`109 000 000 006`

Property Details

APN / Parcel Number

Primary APN	`109 000 000 006`
Alternative APNs	`00015129` `00830993` `830993`

Interior

Stories	1 Story

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Lot Area	270,072 sqft (6.2 acres)
Total Buildings	4 Buildings

Location & Zoning

Account Number	00015129
Street Address	5346 CROSS ROADS CHURCH RD
City	RUBY
State	SC
Zip	29741-5773
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	6.20 ACRE TRACT
Legal Subdivision	CROSSROADS CH RD
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 June 15, 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	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2012	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Jun 16, 2016	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Oct 31, 2016	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 5, 2026	Deed, Transfer · Conventional Mortgage FOUNDERS FEDERAL CREDIT UNION
Jun 5, 2026	Deed, Transfer · Conventional Mortgage FOUNDERS FEDERAL CREDIT UNION
Oct 27, 2017	Deed, Transfer · FHA Mortgage ATLANTIC BAY MORTGAGE GROUP LLC
Jan 30, 2009	Deed, Transfer · Conventional Mortgage ALLEN ATE MORTGAGE SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Oct 27, 2017 · Amount on Record
Deed Document Number	20262376
Deed Book / Page	585 / 115
Record Updated	Oct 29, 2026

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00461/1300
Date	Oct 9, 2012
Book Page	461/1300
Instrument	201200003586

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2042

June 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00484/1006
Date	Jun 16, 2016
Book Page	484/1006
Instrument	201600002047

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2046

October 2016: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Transaction Type	Mortgage
Record Updated	Jun 17, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	00487/0893
Date	Oct 31, 2016
Book Page	487/0893
Instrument	201600003793

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Aug 1, 2046

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jun 5, 2026
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Document Number	0000002376
Book / Page	585 / 115
Instrument Date	Jun 4, 2026
Instrument	20262376
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	SIMPLIFILE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,688.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002377,
Date	Jun 5, 2026
Instrument	20262377

Lender

Name	FOUNDERS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jun 5, 2026
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Document Number	000585/115
Book / Page	585 / 115
Instrument Date	Jun 4, 2026
Instrument	20262376
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$89,688.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002377,
Date	Jun 5, 2026
Instrument	20262377

Lender

Name	FOUNDERS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 5, 2056

Interest

Rate Type	Adjustable Rate
Rate	6%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

October 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Oct 27, 2017
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Document Number	00509/0022
Book / Page	509 / 0022
Map Reference	MB 1 PG 10
Instrument Date	Oct 6, 2017
Instrument	201700004072
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$440.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2 EMERALD WAY, SHICKSHINNY, PA 18655-2236

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773

Mortgage

Document Number	00494/1394
Date	Oct 27, 2017
Book Page	494/1394
Instrument	201700004073

Lender

Name	ATLANTIC BAY MORTGAGE GROUP LLC
Type	Mortgage Company
Address	VIRGINIA BEACH, VA 23452

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

January 2009: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jan 30, 2009
Property Address	5346 CROSS ROADS CHURCH RD, RUBY, SC 29741-5773
Document Number	00448/1390
Book / Page	448 / 1390
Map Reference	MB I PG 10
Instrument Date	Jan 28, 2009
Instrument	200900000301
Transaction Type	Transfer
Record Updated	Feb 10, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$377.40
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	331 BERWICK HAZDTON HWY 1393, 1393, NESCOPECK, PA 18635
Investor	Possibly a Property Investor

Mortgage

Document Number	00437/0636
Date	Jan 30, 2009
Book Page	437/0636
Instrument	200900000296

Lender

Name	ALLEN ATE MORTGAGE SERVICES INC
Type	Non-Lending Institution
Address	CHARLOTTE, NC 28262

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2039

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	$1,064.00 (+14.04%)	$5,670 (+9.46%) Land $870 Building $4,800
2024			$117,300 (-) Land $18,500 Building $98,800
2023	$933.00	$5,180 Land $860 Building $4,320	$117,300 Land $18,500 Building $98,800

Assessed value is set for property tax purposes, not a market price estimate; it is 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 46% of the US · above 40% of South Carolina
Wildfire Likelihood	0.08% 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 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 (outdoors only) and 4G LTE

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