4345 Ruggle's Rd, Taneytown, MD 21787 Property Records

Carroll County property record for 4345 Ruggle's Rd, Taneytown, MD 21787

Property Summary

Property Type	Single Family Home
Details	2 ba · 2,496 sqft · built 1990
Lot Size	2.29 acres (99,752 sqft)
Owner	2 Individual Names on Record
Last Sale	$45,000 (Feb 1990)
Tax Bill	$4,383 (2026)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`01-003976`

Property Details

APN / Parcel Number

Primary APN	`01-003976`
Alternative APNs	`1003976` `003976`

Interior

Full Baths	2 Baths
Stories	1 Story
Building Area	2,496 sqft Total Area
Utility Area	320 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Brick
Roof Material	Composition Shingle
Lot Area	99,752 sqft (2.29 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	126 sqft
Deck Area	384 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	003976
Street Address	4345 RUGGLES RD
City	TANEYTOWN
State	MD
Zip	21787-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AGRIC
Legal Description	2.298 AC SE/S RUGGLES ROAD E OF WALNUT GROVE
Legal Subdivision	WALNUT GROVE
Jurisdiction	CARROLL MD
Township / Civil Division	1, TANEYTOWN
Census Block Group	3
Census Block	3019
Census Tract	501002

Owner

Source: Carroll County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4345 RUGGLES RD, TANEYTOWN, MD 21787-1313
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 1990 · Amount on Record
Deed Sale	Feb 23, 1990 · Amount on Record
Prior Sale	May 17, 1988 · Amount on Record
Deed Book / Page	1195 / 527
Record Updated	Oct 29, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARROLL MD
Property Address	4345 RUGGLES RD, TANEYTOWN, MD 21787-1313
Document Number	0096380173
Instrument Date	Apr 10, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	4345 RUGGLES RD TANEYTOWN MD 217871313, TANEYTOWN, MD 21787-1313

Mortgage

Document Number	0096380173
Date	Apr 17, 2020
Book Page	009638/000173

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2050

Tax Assessment & Valuation

Source: Carroll County assessment roll, as of September 8, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,383.00 (+4.98%) Homeowner's exemption	$412,200 (+23.9%) Land $137,900 Building $274,300	$412,200 (+23.9%) Land $137,900 Building $274,300
2025	$4,175.00 (+11.07%) Homeowner's exemption
2023	$3,759.00 Homeowner's exemption	$332,700 Land $137,900 Building $194,800	$332,700 Land $137,900 Building $194,800

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 March 11, 2016 · 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
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	4 in force
Nearby Flood Claims	6 (1979–2003)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Sep 2003 · Hurricane Isabel

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 80% of the US · above 41% of Maryland
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 10 locations within half a mile, as of December 31, 2025

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