15709 Ruby Rd SE, Oldtown, MD 21555 Property Records

Allegany County property record for 15709 Ruby Rd SE, Oldtown, MD 21555

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,547 sqft · built 1964
Lot Size	18.6 acres (813,701 sqft)
Owner	Individual Name on Record
Last Sale	$96,000 (Oct 2020)
Tax Bill	$3,039 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`02-012162`

Property Details

APN / Parcel Number

Primary APN	`02-012162`
Alternative APNs	`2012162` `012162`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,547 sqft Total Area

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Siding
Roof Material	Metal
Lot Area	813,701 sqft (18.6 acres)

Exterior Amenities

Porch	Slab
Porch Area	328 sqft
Shed	1 Shed
Shed Area	1,344 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	012162
Street Address	15709 RUBY RD SE
City	OLDTOWN
State	MD
Zip	21555-1803
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	18.681A W/S WARRIOR MT RD
Legal Subdivision	MARYLAND
Jurisdiction	ALLEGANY MD
Township / Civil Division	2, OLDTOWN
Census Block Group	3
Census Block	3013
Census Tract	100

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Listed Area	Within Western Maryland Railway, Cumberland Extension Right-of-Way, Mile 126 to Mile 159.8 listed 1981 · 32 contributing resources · NRIS 81000078

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

Source: Allegany County records, as of October 1, 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	15709 RUBY RD SE, OLDTOWN, MD 21555-1803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIRST PEOPLES COMMUNITY FCU
Oct 23, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 23, 2020 · Amount on Record
Deed Sale	Oct 23, 2020 · Amount on Record
Deed Book / Page	2599 / 380
Prior Transfer Date	Jan 27, 2011
Prior Transfer Doc	001849-0341
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	15709 RUBY RD SE, OLDTOWN, MD 21555-1803
Transaction Type	Mortgage
Record Updated	Nov 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15709 RUBY RD SE, OLDTOWN, MD 21555-1803

Mortgage

Document Number	002710-0118
Date	Oct 12, 2021
Book Page	2710/118

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Oct 5, 2046

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEGANY MD
Property Address	15709 RUBY RD SE, OLDTOWN, MD 21555-1803
Transaction Type	Mortgage
Record Updated	Aug 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002630-0001
Date	Feb 5, 2021
Book Page	2630/1

Lender

Name	FIRST PEOPLES COMMUNITY FCU
Type	Credit Union
Address	CUMBERLAND, MD 21505

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Feb 4, 2041

October 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ALLEGANY MD
Recording Date	Oct 23, 2020
Property Address	15709 RUBY RD SE, OLDTOWN, MD 21555-1803
Document Number	0025990380
Book / Page	002599 / 000380
Instrument Date	Oct 1, 2020
Transaction Type	Transfer
Record Updated	Nov 5, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$672.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	20511 WAGNER CUTOFF RD SE OLDTOWN MD 215551160, OLDTOWN, MD 21555-1160

Tax Assessment & Valuation

Source: Allegany County assessment roll, as of October 1, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Allegany County
Unified School District	Allegany County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$294,533 (+4.42%)	$307,000 (-) Land $60,300 Building $246,700
2025	$3,039.00 (+6.97%) Homeowner's exemption	$282,067 (+7.92%)	$307,000 (+13.87%) Land $60,300 Building $246,700
2023	$2,841.00 Homeowner's exemption	$261,367	$269,600 Land $60,300 Building $209,300

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

Flood

Source: FEMA National Flood Hazard Layer, effective November 12, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	8 (1996–2021)
Claims Outside the SFHA	1 of 8
Most Recent Claim	Sep 2021 · river or lake flooding
Claims by Event	Severe Storms And Flooding Assoc With Tropical Storm Fran, Sep 1996 · 3 claims Severe Storms And Flooding, Jan 1996 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Low lower than 64% of the US · above 74% of Maryland
Wildfire Likelihood	0.04% 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 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30

Cell Coverage

5G and 4G LTE (outdoors only)

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