6345 Cross Roads Church Rd, Ruby, SC 29741 Property Records

Chesterfield County property record for 6345 Cross Roads Church Rd, Ruby, SC 29741

Property Summary

Property Type	Single Family Home
Details	built 2021
Lot Size	1.73 acres (75,359 sqft)
Owner	2 Individual Names on File
Last Sale	$227,750 (Aug 2021)
Tax Bill	$1,552 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Feb 2021 Sale & Construction Loan
Flood Zone	Zone X (minimal risk)
APN	`110 000 000 074`

Property Details

APN / Parcel Number

Primary APN	`110 000 000 074`
Alternative APNs	`00015427` `00043812` `43812`

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Lot Area	75,359 sqft (1.73 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	00015427
Street Address	6345 CROSS ROADS CHURCH RD
City	RUBY
State	SC
Zip	29741-6710
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.73 ACRE LOT
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	MOUNT CROGHAN
Census Block Group	2
Census Block	2061
Census Tract	950300

Owner

6345 Cross Roads Church Rd is owned and occupied by two individuals who bought it in August 2021.

Source: Chesterfield County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	6345 CROSS ROADS CHURCH RD, RUBY, SC 29741-6710
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

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
Aug 23, 2021	Deed, Subdivision Related Transfer · Conventional Mortgage GUILD MORTGAGE CO
Feb 26, 2021	Quit Claim Deed, Transfer · Construction Mortgage FIRST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on File
Deed Sale	Aug 30, 2021 · Amount on File
Prior Sale	Aug 23, 2021 · Amount on File
Deed Document Number	20213703
Deed Book / Page	540 / 189
Prior Transfer Date	Feb 24, 2021
Prior Transfer Doc	00535/1188
Record Updated	Sep 20, 2026

August 2021: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Aug 23, 2021
Property Address	6345 CROSS ROADS CHURCH RD, RUBY, SC 29741-6710
Document Number	000540/189
Book / Page	540 / 189
Instrument Date	Aug 20, 2021
Instrument	202100003703
Transaction Type	Subdivision Related Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$592.80
Amount Accuracy	Verified / From Affidavit
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6345 CROSS ROADS CHURCH RD, RUBY, SC 29741-6710

Mortgage

Document Number	202100003704
Date	Aug 23, 2021
Instrument	202100003704

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

February 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Feb 26, 2021
Property Address	6345 CROSS ROADS CHURCH RD, RUBY, SC 29741-6710
Document Number	00535/1188
Book / Page	535 / 1188
Instrument Date	Feb 24, 2021
Instrument	202100000816
Transaction Type	Transfer
Record Updated	Mar 6, 2023

Transaction

Amount	Amount on Record
Tax	$22.10
Amount Accuracy	Verified / From Affidavit
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1448 HIGHWAY CHURCH RD, ELGIN, SC 29045-9478
Investor	Possibly a Property Investor

Mortgage

Document Number	202100000817
Date	Feb 26, 2021
Instrument	202100000817

Lender

Name	FIRST BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6345 Cross Roads Church Rd was $1,552.

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	$1,552.00	$12,140 Land $400 Building $11,740	$303,600 Land $10,200 Building $293,400
2023	$1,224.00	$10,560 Land $340 Building $10,220	$264,100 Land $8,500 Building $255,600

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

FEMA maps place 6345 Cross Roads Church Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 6345 Cross Roads Church Rd is moderate, ranking above 51% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 51% of the US · above 59% of South Carolina
Wildfire Likelihood	0.1% 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 13 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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