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440 Ruth Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 440 Ruth Rd, Arnold, MD 21012

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,348 sqft · built 1973
Lot Size0.232 acres (10,125 sqft)
Owner2 Individual Names on File
Last Sale$360,000 (Sep 2017)
Tax Bill$3,789 (2023)
Deeds & MortgagesMar 2021 Mortgage
Sep 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-890-19798745

Property Details

APN / Parcel Number

Primary APN03-890-19798745
Alternative APNs
  • 389019798745
  • 89019798745

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,348 sqft Total Area
1st Floor Area1,252 sqft
Basement Area400 sqft
Finished Basement400 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1973
Architectural StyleSplit Foyer
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area10,125 sqft (0.232 acres)
Deck Area184 sqft
Shed1 Shed
Shed Area240 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemBaseboard
SewerConnected

Location & Zoning

Account Number89019798745
Old Parcel Number389019798745
Street Address440 RUTH RD
CityARNOLD
StateMD
Zip21012-1241
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR5
Legal DescriptionLT 5 BK B 440 RUTH RD WEST MAGOTHY MANOR
Legal SubdivisionWEST MAGOTHY MANOR
Legal BlockB
Legal Lot Number5
JurisdictionANNE ARUNDEL MD
Township / Civil Division5
Census Block Group2
Census Block2005
Census Tract731105

Owner

Source: Anne Arundel County records · APN 03-890-19798745

Assessment roll updated July 1, 2023 · Last verified September 2023

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on File
Mailing Address440 RUTH RD, ARNOLD, MD 21012-1241
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 09, 2021Deed of Trust, Mortgage · Conventional Mortgage
BETTER MORTGAGE CORPORATION
Sep 14, 2017Grant Deed, Transfer · Conventional with PMI
FIRST HM MTG CORP

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 14, 2017 · Amount on Record
Deed SaleSep 14, 2017 · Amount on Record
Deed Document Number0031351101
Deed Book / Page31351 / 101
Record UpdatedJun 07, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionANNE ARUNDEL MD
Property Address440 RUTH RD, ARNOLD, MD 21012-1241
Transaction TypeMortgage
Record UpdatedSep 27, 2023
Title CompanyTITLE 365, TITLE365

Transferred To (Grantee/Buyer)

NameVerified Name
Address440 RITHR RD, ARNOLD, MD 21012

Mortgage

Document Number0363080495
DateMar 09, 2021
Book Page36308/495
Lender
NameBETTER MORTGAGE CORPORATION
TypeMortgage Company
AddressNEW YORK, NY 10007
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueMar 01, 2051

September 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionANNE ARUNDEL MD
Recording DateSep 14, 2017
Property Address440 RUTH RD, ARNOLD, MD 21012-1241
Document Number0313510101
Book / Page031351 / 000101
Instrument DateJul 17, 2017
Transaction TypeTransfer
Record UpdatedOct 31, 2017
Title CompanyLEGENDS TITLE GROUP LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$360.00
Amount AccuracyConfirmed
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address440 RUTH RD ARNOLD MD 210121241, ARNOLD, MD 21012-1241

Mortgage

Document Number313510106
DateSep 14, 2017
Book Page031351/000106
Lender
NameFIRST HM MTG CORP
AddressBALTIMORE, MD 21236
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueSep 13, 2047

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated July 1, 2023 · Last verified September 2023

Property Jurisdictions

TypeName
StateMaryland
CountyAnne Arundel County
Unified School DistrictAnne Arundel County Public Schools (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2023$3,789.00 Homeowner's exemption$404,533$422,000 Land $243,300 Building $178,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of January 16, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 31 individual policies
Nearby Flood Policies65 units insured
incl. 34 condo units
Nearby Flood Claims31 (1979–2024)
Claims Outside the SFHA5 of 31
Most Recent ClaimJan 2024 · other causes
Claims by Event
  • Hurricane Isabel, Sep 2003 · 17 claims

Wildfire

Wildfire RiskLow
lower than 99.1% of the US · lower than 98.5% of Maryland
Wildfire Likelihood0.01% annual chance
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Xfinity
Cable		2,000 / 250
Radiate Holdings
Cable		1,500 / 50
Verizon
Fiber		980 / 880
Believe Wireless
Fixed Wireless		500 / 100
AT&T
Fixed Wireless		100 / 20
T-Mobile USA
Fixed Wireless		100 / 20

Based on FCC filings for 215 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemGLEN BURNIE-BROADNECK
serves 290,606 people
Water SourceGroundwater
Last State InspectionMay 2024
LeadUnder 1 ppb (2016–2018)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

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