3440 Ruby Ave, Racine, WI 53402 Property Records

Racine County property record for 3440 Ruby Ave, Racine, WI 53402

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,380 sqft · built 1959
Lot Size	0.252 acres (10,977 sqft)
Owner	Individual Name on Record
Last Sale	$225,000 (Dec 2018)
Tax Bill	$8,056 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Jul 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`276 000004639004`

Property Details

APN / Parcel Number

Primary APN	`276 000004639004`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,380 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Split Level
Exterior Material	Brick
Lot Area	10,977 sqft (0.252 acres)
Lot Dimensions	131 ft deep x 83.4 ft wide

Utilities, Heating & Cooling

Heating System	HVAC

Location & Zoning

Street Address	3440 RUBY AVE
City	RACINE
State	WI
Zip	53402-3828
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	BLK 3 A HYNEK SUB NO 3 LOT 4
Legal Subdivision	HYNEK
Legal Block	3
Legal Lot Number	4
Jurisdiction	RACINE WI
Township / Civil Division	RACINE
Census Block Group	2
Census Block	2004
Census Tract	1402

Owner

Source: Racine County records, as of March 23, 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	3440 RUBY AVE, RACINE, WI 53402-3828
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 13, 2022	Deed of Trust, Mortgage · Conventional Mortgage EDUCATORS CU
Jul 22, 2025	Intrafamily Transfer, Transfer · Line of Credit EDUCATORS CU
Dec 13, 2018	Grant Deed, Transfer · Conventional with PMI EDUCATORS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 13, 2018 · Amount on Record
Deed Sale	Dec 13, 2018 · Amount on Record
Prior Sale	Feb 20, 2008 · Amount on Record
Deed Document Number	20182509927
Last Transfer Date	Jul 21, 2025
Transfer Doc	0002705725
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RACINE WI
Property Address	3440 RUBY AVE, RACINE, WI 53402-3828
Transaction Type	Mortgage
Record Updated	Oct 7, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002631368
Date	Jun 13, 2022
Instrument	2631368

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	JANESVILLE, WI 53545

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Jul 1, 2027
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.25%
Index	1-Year CMT
Max Rate	11.2%

July 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	RACINE WI
Recording Date	Jul 22, 2025
Property Address	3440 RUBY AVE, RACINE, WI 53402-3828
Document Number	0002705725
Instrument Date	Jul 21, 2025
Instrument	2705725
Transaction Type	Transfer
Record Updated	Oct 7, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3440 RUBY AVE, RACINE, WI 53402-3828

Mortgage

Document Number	0002706906
Date	Jul 22, 2025
Instrument	2706906

Lender

Name	EDUCATORS CU
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	RACINE WI
Recording Date	Dec 13, 2018
Property Address	3440 RUBY AVE, RACINE, WI 53402-3828
Document Number	0002509927
Instrument Date	Dec 8, 2018
Instrument	2509927
Transaction Type	Transfer
Record Updated	Jan 18, 2019
Title Company	KNIGHT BARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$675.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3440 RUBY AVE RACINE WI 534023828, RACINE, WI 53402-3828

Mortgage

Document Number	2509928
Date	Dec 13, 2018
Instrument	2509928

Lender

Name	EDUCATORS CU
Type	Credit Union
Address	MOUNT PLEASANT, WI 53177

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 12, 2048

Interest

Rate Type	Adjustable Rate
Rate	3.75%

Tax Assessment & Valuation

Source: Racine County assessment roll, as of March 23, 2026

Property Jurisdictions

Type	Name
State	Wisconsin
County	Racine County
Municipality	Racine City
Unified School District	Racine School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,056.00 (-4.41%) Homeowner's exemption	$344,300 (+12.59%) Land $30,900 Building $313,400	$367,625 (+7.96%) Land $32,993 Building $334,632
2024	$8,428.00 (+28.03%) Homeowner's exemption	$305,800 (+12.43%) Land $30,900 Building $274,900	$340,507 (+13.04%) Land $34,407 Building $306,100
2023	$6,583.00 (+8.95%) Homeowner's exemption	$272,000 (+10.12%) Land $30,900 Building $241,100	$301,237 (+10.12%) Land $34,221 Building $267,016
2022	$6,042.00 Homeowner's exemption	$247,000 Land $30,900 Building $216,100	$273,550 Land $34,221 Building $239,329

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 January 16, 2024 · 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	1 in force

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	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RACINE WATERWORKS serves 105,100 people · EPA ID WI2520062
Water Source	Surface water
Last State Inspection	Dec 2025
Lead	3 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 536 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T DSL · Fiber in parts of the area	100 / 20

May also be available: T-Mobile.

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