709 Ruby St, Albemarle, NC 28001 Property Records

Stanly County property record for 709 Ruby St, Albemarle, NC 28001 · Last verified October 2023

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1956
Square Footage	1,032 sqft Finished Area
Lot Size	10,019 sqft (0.23 acres)
Last Sale	$100,000 (2022)
Tax Bill	$564.00 (2023)

Property Details

APN / Parcel Number

Primary APN	`654804545501`
Alternative APNs	`1533378` `1540591` `5982`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Building Area	1,032 sqft Finished Area
Stories	1 Stories
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Exterior Material	Composition/Composite Exterior
Foundation Type	Masonry Foundation
Roof Construction	Gable/Hip Roof Construction
Roof Material	Composition Shingle Roof
Lot Area	10,019 sqft (0.23 acres)
Depth X Width	100 ft x 100 ft Depth x Width
Porch	1 Porch
Porch Area	308 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Central Heating
Heating Fuel	Gas Heating Fuel
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Account Number	1540591
Street Address	709 RUBY ST
City	ALBEMARLE
State	NC
Zip	28001-5042
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	HSE 709 RUBY ST 654815024
Legal Subdivision	T R FORREST
Jurisdiction	STANLY NC
Minor Civil Division	SOUTH ALBEMARLE
Census Blockgroup	2
Census Block	2007
Census Tract	931203

Owner

Source: Stanly County records · APN 654804545501

Assessment roll updated January 1, 2023 · Last verified October 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	408 S 4TH ST, ALBEMARLE, NC 28001-5812
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 30, 2022 · Amount on Record
Deed Sale	Sep 30, 2022 · Amount on Record
Prior Sale	Aug 02, 2013
Deed Doc Number	0000180189
Deed Book / Page	1801 / 89
Record Refreshed	Jun 07, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STANLY NC
Recording Date	Sep 30, 2022
Property Address	709 RUBY ST, ALBEMARLE, NC 28001-5042
Document Number	0000451737
Book / Page	1801 / 89
Instrument Date	Sep 23, 2022
Instrument	451737
Transaction Type	Transfer
Record Updated	Mar 01, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$200.00
Amount Accuracy	Rounded Values by County
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	408 S 4TH ST, ALBEMARLE, NC 28001-5812

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 S 4TH ST, ALBEMARLE, NC 28001-5812

Mortgage

Document Number	0000451738
Date	Sep 30, 2022
Instrument	451738

Lender

Name	STATE EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2052

Interest

Rate Type	Adjustable Rate
Rate	4.4%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Oct 01, 2027
Change Frequency	5 Years
Min Rate At Change	3.75%
Max Rate At Change	6.4%
Index	5-Year CMT
Max Rate	10.4%

Tax Assessment & Valuation

Source: Stanly County records · Assessment roll updated January 1, 2023 · Last verified October 2023

Property Jurisdictions

Type	Name
State	North Carolina
Municipality	Albemarle City
County	Stanly County
Unified School District	Stanly County Schools (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$564.00	$46,296 Land $4,920 Building $41,376	$46,296 Land $4,920 Building $41,376

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stanly County (37167C), updated May 30, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 24% of North Carolina
Wildfire Likelihood	About 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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