6602 Cross Roads Church Rd, Ruby, SC 29741 Property Records

Chesterfield County property record for 6602 Cross Roads Church Rd, Ruby, SC 29741

Property Summary

Property Type	Exempt (Full or Partial)
Details	1 ba · 784 sqft · built 1962
Lot Size	4.05 acres (176,418 sqft)
Owner	Individual Name on File
Tax Bill	$442 (2023)
Deeds & Mortgages	Jun 2019 Refinance Jan 2020 Refinance + 3 more
Flood Zone	Zone X (minimal risk)
APN	`110 000 000 028`

Property Details

APN / Parcel Number

Primary APN	`110 000 000 028`
Alternative APNs	`00015366` `00841193` `841193`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	784 sqft Living Area
1st Floor Area	1,252 sqft

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	176,418 sqft (4.05 acres)

Location & Zoning

Account Number	00015366
Street Address	6602 CROSS ROADS CHURCH RD
City	RUBY
State	SC
Zip	29741-5780
Property Category	Other
Property Type	Other > Exempt (Full or Partial)
Legal Description	4.05 ACRE LOT
Jurisdiction	CHESTERFIELD SC
Township / Civil Division	MOUNT CROGHAN
Census Block Group	2
Census Block	2070
Census Tract	950300

Owner

6602 Cross Roads Church Rd is owned by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
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 17, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jan 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance FIRST CITIZEN B&T CO
Jan 23, 2007	Deed of Trust, Mortgage · Reverse Mortgage FIRST CITIZENS BANK AND TRUST CO INC
Aug 10, 2022	Deed in Lieu of Foreclosure, Foreclosure
Jul 24, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00506/1241
Date	Jun 17, 2019
Book Page	506/1241
Instrument	2352

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	301 Months
Due	Jul 1, 2044

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000511/140
Date	Jan 17, 2020
Book Page	511/140
Instrument	20202000000159

Lender

Name	FIRST CITIZEN B&T CO

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2035

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHESTERFIELD SC
Property Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00416/1184
Date	Jan 23, 2007
Book Page	416/1184
Instrument	200700000399

Lender

Name	FIRST CITIZENS BANK AND TRUST CO INC
Type	Bank
Address	COLUMBIA, SC 29201

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	181 Months
Due	Feb 1, 2022

August 2022: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	CHESTERFIELD SC
Recording Date	Aug 10, 2022
Property Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
Document Number	00548/1218
Book / Page	548 / 1218
Instrument Date	Aug 2, 2022
Instrument	202200003449
Transaction Type	Foreclosure
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780

July 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	CHESTERFIELD SC
Recording Date	Jul 24, 2018
Property Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780
Document Number	00514/1483
Book / Page	514 / 1483
Instrument Date	Jul 23, 2018
Instrument	000000002700
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6602 CROSS ROADS CHURCH RD, RUBY, SC 29741-5780

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	Additional exemption filed		$129,100 Land $16,200 Building $112,900
2023	$442.00	$3,370 Land $490 Building $2,880	$84,600 Land $12,200 Building $72,400

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

Flood

FEMA maps place 6602 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 6602 Cross Roads Church Rd is moderate, ranking above 56% 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 56% of the US · above 70% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
RiverNet Connect Fiber	1,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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