78 Ruby Dr, Punxsutawney, PA 15767 Property Records

Jefferson County property record for 78 Ruby Dr, Punxsutawney, PA 15767

Property Summary

Property Type	Single Family Home
Details	1,316 sqft · built 1974
Lot Size	3.5 acres (152,460 sqft)
Owner	Individual Name on File
Last Sale	$219,000 (Apr 2024)
Tax Bill	$2,046 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Dec 2010 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`15-002-0220`

Property Details

APN / Parcel Number

Primary APN	`15-002-0220`

Interior

Stories	1 Story
Building Area	1,316 sqft Total Area

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Lot Area	152,460 sqft (3.5 acres)

Location & Zoning

Street Address	78 RUBY DR
City	PUNXSUTAWNEY
State	PA
Zip	15767-3004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1H1G1POOL
Jurisdiction	JEFFERSON PA
Township / Civil Division	MCCALMONT
Census Block Group	2
Census Block	2063
Census Tract	951000

Owner

78 Ruby Dr is owned and occupied by an individual who bought it in April 2024.

Source: Jefferson County records, as of May 27, 2026

Owner of Record	Individual Name on File
Mailing Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2022	Deed of Trust, Mortgage · Commercial Mortgage FIRST COMMONWEALTH BANK
Dec 31, 2010	Deed of Trust, Mortgage · Conventional Mortgage S & T BANK
Oct 24, 2007	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Aug 2, 2007	Deed of Trust, Mortgage · Line of Credit NATIONAL CITY BANK
May 16, 2005	Deed of Trust, Mortgage NATIONAL CITY BANK
Jun 19, 2014	Deed of Trust, Mortgage INDIANA FIRST SAVINGS BANK
Feb 19, 2014	Deed of Trust, Mortgage INDIANA FIRST SAVINGS BANK
Apr 22, 2024	Deed, Transfer · FHA Mortgage MICHIGAN MUTUAL INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2024 · Amount on File
Deed Sale	Apr 22, 2024 · Amount on File
Deed Document Number	20241226
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 URBY DRIVE, ANITA, PA 15711

Mortgage

Document Number	2022000042
Date	Jan 4, 2022
Instrument	2022-000042

Lender

Name	FIRST COMMONWEALTH BANK
Type	Bank
Address	PUNXSUTAWNEY, PA 15767

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	179 Months
Due	Dec 30, 2036

December 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00571/0249
Date	Dec 31, 2010
Book Page	571/0249
Instrument	2010-006770

Lender

Name	S & T BANK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2026

October 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00453/0837
Date	Oct 24, 2007
Book Page	453/0837
Instrument	2007-006594

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2037

August 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00444/0248
Date	Aug 2, 2007
Book Page	444/0248
Instrument	2007-004747

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	INDIANAPOLIS, IN 46240

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00338/0691
Date	May 16, 2005
Book Page	338/0691
Instrument	2005-002777

Lender

Name	NATIONAL CITY BANK
Type	Bank
Address	CLEVELAND, OH 44101

Agreement

Amount	Amount on Record

June 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000681/402
Date	Jun 19, 2014
Book Page	681/402
Instrument	2014-002492

Lender

Name	INDIANA FIRST SAVINGS BANK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Amount	Amount on Record
Term	180 Months
Due	Jun 25, 2029

February 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	JEFFERSON PA
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00671/0588
Date	Feb 19, 2014
Book Page	671/0588
Instrument	2014-000572

Lender

Name	INDIANA FIRST SAVINGS BANK
Type	Bank
Address	INDIANA, PA 15701

Agreement

Amount	Amount on Record
Term	240 Months
Due	Feb 25, 2034

April 2024: Deed, Transfer

Document Type	Deed
Jurisdiction	JEFFERSON PA
Recording Date	Apr 22, 2024
Property Address	78 RUBY DR, PUNXSUTAWNEY, PA 15767-3004
Document Number	2024001226
Instrument Date	Apr 19, 2024
Instrument	2024-001226
Transaction Type	Transfer
Record Updated	Apr 28, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	78 RUBY DR, ANITA, PA 15711

Mortgage

Document Number	2024001227
Date	Apr 22, 2024
Instrument	2024-001227

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2054

Tax Assessment & Valuation

The 2026 property tax bill for 78 Ruby Dr was $2,046 with a homeowner's exemption, up % from the year before.

Source: Jefferson County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Pennsylvania
County	Jefferson County
County Subdivision	McCalmont Township
Unified School District	Punxsutawney Area School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,046.00 (+0.05%) Homeowner's exemption	$46,840 (-) Land $2,390 Building $44,450
2025	$2,045.00 (+2.3%) Homeowner's exemption	$46,840 (-) Land $2,390 Building $44,450
2024	$1,999.00 (+3.95%)	$46,840 (+2.2%) Land $2,390 Building $44,450
2023	$1,923.00 Homeowner's exemption	$45,830 Land $2,430 Building $43,400
2005			$46,840 Land $2,390 Building $44,450
1987			$46,840 Land $2,390 Building $44,450

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 78 Ruby Dr in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1984.

Source: FEMA National Flood Hazard Layer, effective July 6, 2017 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1984–1996)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Jul 1996 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 78 Ruby Dr is low, with 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 80% of the US · above 43% of Pennsylvania
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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PA AMERICAN WATER PUNXSY private · serves 8,419 people · EPA ID PA6330010
Water Source	Surface water
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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