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445 Ruth Rd, Arnold, MD 21012 Property Records

Anne Arundel County property record for 445 Ruth Rd, Arnold, MD 21012 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 ba · 1,670 sqft · built 1976
Lot Size0.306 acres (13,328 sqft)
Owner2 Individual Names on File
Last Sale$499,000 (Jan 2026)
Tax Bill$5,105 (2025)
Deeds & MortgagesJan 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN03-890-19308099

Property Details

APN / Parcel Number

Primary APN03-890-19308099
Alternative APNs
  • 3-890-19308099
  • 89019308099

Interior

Full Baths2 Baths
Stories1 Story
Building Area1,670 sqft Living Area
Gross Area1,790 sqft
1st Floor Area1,190 sqft
Basement Area480 sqft
Finished Basement480 sqft

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1976
Architectural StyleSplit Foyer
Exterior MaterialSiding
Roof MaterialComposition Shingle
Lot Area13,328 sqft (0.306 acres)

Exterior Amenities

PorchEnclosed Porch
Porch Area120 sqft
Deck Area66 sqft
Patio Area120 sqft
Shed1 Shed
Shed Area150 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number89019308099
Street Address445 RUTH RD
CityARNOLD
StateMD
Zip21012-1237
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLT 1 BK A W MAGOTHY MANOR
Legal SubdivisionW MAGOTHY MANOR
Legal BlockA
Legal Lot Number1
JurisdictionANNE ARUNDEL MD
Township / Civil Division5
Census Block Group2
Census Block2011
Census Tract731105

Owner

Source: Anne Arundel County records · APN 03-890-19308099

Assessment roll updated August 13, 2025 · Last verified April 2026

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 Address445 RUTH RD, ARNOLD, MD 21012-1237
OccupancyOwner Occupied
Owner TypeIndividual
VestingTenants by the Entirety

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleJan 07, 2026 · Amount on Record
Deed SaleJan 07, 2026 · Amount on Record
Deed Book / Page41973 / 366
Prior Transfer DateAug 21, 2024
Prior Transfer Doc0407630415
Record UpdatedJun 08, 2026

January 2026: Deed, Transfer

Document TypeDeed
JurisdictionANNE ARUNDEL MD
Recording DateJan 07, 2026
Property Address445 RUTH RD, ARNOLD, MD 21012-1237
Document Number0419730366
Book / Page41973 / 366
Map ReferenceMB 28 FO 21
Instrument DateDec 01, 2025
Transaction TypeTransfer
Record UpdatedJan 22, 2026
Title CompanyUNKNOWN, ROCKET CLOSE LLC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$1,247.50
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants by the Entirety
Address445 RUTH RD, ARNOLD, MD 21012-1237

Mortgage

Document Number0041973373
DateJan 07, 2026
Instrument41973/373
Lender
NameNAVY FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueDec 01, 2055

Tax Assessment & Valuation

Source: Anne Arundel County records · Assessment roll updated August 13, 2025 · Last verified April 2026

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
2025$5,105.00 (+60.48%)$420,700 (+9.32%)$456,700 (+13.41%) Land $252,900 Building $203,800
2024$3,181.00 (+21.92%)
2023$2,609.00 Homeowner's exemption$384,833$402,700 Land $252,900 Building $149,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Anne Arundel County (24003C), updated January 16, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 240037311052, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance CostPremium on Record
median of 31 individual NFIP policies nearby
Nearby Flood Policies65 units insured
34 under condo master policies
Nearby Flood Claims31 (1979–2024)
Claims Outside the SFHA5 of 31
Most Recent ClaimJan 2024, other causes
Claims By Storm
  • Hurricane Isabel, Sep 2003 · 17 claims

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
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, availability as of December 31, 2025 · Published October 2026 · based on 215 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
XfinityCable2,000 / 250
Radiate HoldingsCable1,500 / 50
VerizonFiber980 / 880
Believe WirelessFixed Wireless (unlicensed)500 / 100
AT&TFixed Wireless100 / 20
T-Mobile USAFixed Wireless100 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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