Chester County property record for 405 Ruby Rd, Chester Springs, PA 19425
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,668 sqft · built 2006 |
| Lot Size | 0.136 acres (5,911 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $522,500 (Nov 2021) |
| Tax Bill | $738 (2026) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Dec 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-4-352 |
| Primary APN | 32-4-352 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,668 sqft Living Area |
| Gross Area | 3,068 sqft |
| Basement Area | 400 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,911 sqft (0.136 acres) |
| Terrain | Above Road/Slope |
| View / Lot | Neighborhood |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 405 RUBY RD |
|---|---|
| City | CHESTER SPRINGS |
| State | PA |
| Zip | 19425-3857 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LOT 109 & DWG |
| Legal Subdivision | BYERS STATION PH 02 & 03 |
| Legal Lot Number | 109 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | UPPER UWCHLAN |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 304503 |
405 Ruby Rd is owned and occupied by two individuals who bought it in November 2021.
Source: Chester County records, as of May 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 405 RUBY RD, CHESTER SPRINGS, PA 19425-3857 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants by the Entirety |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 22, 2021 | Deed, Transfer · Conventional Mortgage GARDEN STATE HOME LOANS INC |
| Dec 3, 2019 | Quit Claim Deed, Mortgage · Conventional Mortgage PENNSYLVANIA ST EMP CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 22, 2021 · Amount on File |
| Deed Sale | Nov 22, 2021 · Amount on File |
| Prior Sale | Jul 6, 2006 · Amount on File |
| Deed Document Number | 202111886947 |
| Deed Book / Page | 10743 / 2075 |
| Prior Transfer Date | Nov 25, 2019 |
| Prior Transfer Doc | 01005501232 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Nov 22, 2021 |
| Property Address | 405 RUBY RD, CHESTER SPRINGS, PA 19425-3857 |
| Document Number | 0107432075 |
| Book / Page | 10743 / 2075 |
| Map Reference | PL 17608 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 11886947 |
| Transaction Type | Transfer |
| Record Updated | Dec 3, 2021 |
| Title Company | PICASSO ABSTRACT COMPANY |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,225.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants by the Entirety |
| Address | 405 RUBY RD, CHESTER SPRGS, PA 19425-3857 |
| Document Number | 11886948 |
|---|---|
| Date | Nov 22, 2021 |
| Instrument | 11886948 |
| Name | GARDEN STATE HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Dec 3, 2019 |
| Property Address | 405 RUBY RD, CHESTER SPRINGS, PA 19425-3857 |
| Document Number | 0100551232 |
| Book / Page | 010055 / 001232 |
| Instrument Date | Nov 25, 2019 |
| Instrument | 11703630 |
| Transaction Type | Mortgage |
| Record Updated | Dec 18, 2019 |
| Title Company | CREDIT UNION ABSTRACT, CU ABSTRACT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 301 FOX HOLLOW LN WEST CHESTER PA 193822083, WEST CHESTER, PA 19382-2083 |
| Document Number | 100551236 |
|---|---|
| Date | Dec 3, 2019 |
| Book Page | 010055/001236 |
| Instrument | 11703631 |
| Name | PENNSYLVANIA ST EMP CU |
|---|---|
| Type | Credit Union |
| Address | HARRISBURG, PA 17106-7013 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Dec 2, 2034 |
The 2026 property tax bill for 405 Ruby Rd was $738.
Source: Chester County assessment roll, as of May 28, 2026
| Type | Name |
|---|---|
| State | Pennsylvania |
| County | Chester County |
| County Subdivision | Upper Uwchlan Township |
| Unified School District | Downingtown Area School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $738.00 | $193,880 (-) Land $45,060 Building $148,820 | $193,880 (-) Land $45,060 Building $148,820 |
| 2025 | $193,880 (-) Land $45,060 Building $148,820 | $193,880 Land $45,060 Building $148,820 | |
| 2024 | $6,813.00 | $193,880 Land $45,060 Building $148,820 | |
| 1998 | $193,880 Land $45,060 Building $148,820 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 405 Ruby Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 2, 2026
| 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 risk around 405 Ruby Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 91% of Pennsylvania |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | AQUA PA UWCHLAN private · serves 35,518 people · EPA ID PA1150035 |
|---|---|
| Water Source | Purchased surface water from AQUA PA MAIN SYSTEM |
| Last State Inspection | Oct 2025 |
| Lead | 2 ppb (2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 282 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fiber · Fixed Wireless in parts of the area | 980 / 880 |
| T-Mobile Fixed Wireless | 100 / 20 |
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