Chester County property record for 432 Ruby Rd, Chester Springs, PA 19425
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 3,640 sqft · built 2007 |
| Lot Size | 0.129 acres (5,610 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $441,026 (Jul 2014) |
| Tax Bill | $833 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 32-4-340 |
| Primary APN | 32-4-340 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 3,640 sqft Living Area |
| Gross Area | 4,040 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2007 |
|---|---|
| Effective Year Built | Effective 2023 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 5,610 sqft (0.129 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 | 432 RUBY RD |
|---|---|
| City | CHESTER SPRINGS |
| State | PA |
| Zip | 19425-3856 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R4 |
| Legal Description | LOT 97 & DWG |
| Legal Subdivision | BYERS STATION |
| Legal Lot Number | 97 |
| Jurisdiction | CHESTER PA |
| Township / Civil Division | UPPER UWCHLAN |
| Census Block Group | 2 |
| Census Block | 2003 |
| Census Tract | 304503 |
432 Ruby Rd is owned and occupied by two individuals who bought it in July 2014.
Source: Chester County records, as of September 29, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 432 RUBY RD, CHESTER SPRINGS, PA 19425-3856 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Aug 6, 2026 | Deed of Trust, Mortgage · Line of Credit ORRSTOWN BANK |
| Aug 10, 2020 | Deed of Trust, Mortgage · Conventional Mortgage AMRES CORPORATION |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 7, 2014 · Amount on File |
| Deed Sale | Jul 7, 2014 · Amount on File |
| Prior Sale | Dec 23, 2010 · Amount on File |
| Deed Document Number | 201411353813 |
| Deed Book / Page | 8948 / 1658 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Recording Date | Aug 6, 2026 |
| Property Address | 432 RUBY RD, CHESTER SPRINGS, PA 19425-3856 |
| Document Number | 0012136216 |
| Book / Page | 11630 / 2111 |
| Instrument Date | Jul 30, 2026 |
| Instrument | 202612136216 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 432 RUBY RD, CHESTER SPRINGS, PA 19425-3856 |
| Document Number | 0012136216, |
|---|---|
| Date | Aug 6, 2026 |
| Book Page | 11630/2111 |
| Instrument | 202612136216 |
| Name | ORRSTOWN BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.43% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CHESTER PA |
| Property Address | 432 RUBY RD, CHESTER SPRINGS, PA 19425-3856 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0102351914 |
|---|---|
| Date | Aug 10, 2020 |
| Book Page | 10235/1914 |
| Instrument | 11752150 |
| Name | AMRES CORPORATION |
|---|---|
| Type | Mortgage Company |
| Address | FEASTERVILLE TREVOSE, PA 19053 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2050 |
The 2026 property tax bill for 432 Ruby Rd was $833.
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 | $833.00 | $218,620 Land $44,860 Building $173,760 | $218,620 Land $44,860 Building $173,760 |
| 2024 | $7,682.00 | $218,620 Land $44,860 Building $173,760 | |
| 1998 | $218,620 Land $44,860 Building $173,760 |
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 432 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 432 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 97% of the US · lower than 97.3% 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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