L
Seller's Agent in 2025
Lisa Epstein
Cummings & Co Realtors
(410) 790-2047
52 Total Sales
2114 Ruffs Mill Rd Bel Air, MD 21015
3
Beds
2
Baths
2,340
Sq Ft
0.52
Acres
Highlights
- Rambler Architecture
- Sun or Florida Room
- Game Room
- Southampton Middle School Rated A-
- No HOA
- Stainless Steel Appliances
About This Home
As of September 2025Price Adjustment!! Stunning 3-bedroom, 2-full-bath brick rancher that truly stands out. You'll immediately notice the abundance of natural light throughout the home, highlighting the beautiful hardwood floors. It's clear that the current owner has taken great care of this property, which seamlessly blends traditional charm with modern updates. The bright and airy kitchen features white cabinets, stainless steel appliances, and granite countertops, and it opens nicely to the dining and living rooms, creating a wonderful flow for entertaining. Just off the dining area, you'll find sliders that lead to a lovely, light-filled sunroom and a large, flat, fenced backyard with a storage shed – perfect for outdoor enjoyment. The large first floor laundry room is a plus and makes life easier. The basement offers a cozy and spacious area for entertainment and additional rooms for storage or potential upgrades to office, workshop, home gym or bedrooms. The two-car garage and extended driveway with tons of parking are a nice added bonus. Also, adding to the appeal, the current owner has recently made significant improvements, including a new oil furnace, A/C unit, well pump, septic line, a beautifully renovated hall bath, a bright new sunroom and so much more! Owner has taken great care of maintaining and updating the home!!
Last Agent to Sell the Property
(410) 790-2047 lisa@cummingsrealtors.com Cummings & Co. Realtors License #599860 Listed on: 05/31/2025
Co-Listed By
(443) 980-1818 chris@cummingsrealtors.com Cummings & Co. Realtors License #600315
Home Details
Home Type
- Single Family
Est. Annual Taxes
- $3,590
Year Built
- Built in 1963
Lot Details
- 0.52 Acre Lot
- Back Yard Fenced
- Property is in excellent condition
- Property is zoned AG
Parking
- 2 Car Attached Garage
- Front Facing Garage
Home Design
- Rambler Architecture
- Brick Exterior Construction
- Block Foundation
Interior Spaces
- Property has 2 Levels
- Wood Burning Fireplace
- Living Room
- Dining Room
- Game Room
- Sun or Florida Room
- Partially Finished Basement
- Heated Basement
Kitchen
- Eat-In Kitchen
- Gas Oven or Range
- Ice Maker
- Dishwasher
- Stainless Steel Appliances
Bedrooms and Bathrooms
- 3 Main Level Bedrooms
- 2 Full Bathrooms
Laundry
- Laundry Room
- Laundry on main level
- Dryer
- Washer
Outdoor Features
- Patio
Schools
- Dublin Elementary School
- Southampton Middle School
- C. Milton Wright High School
Utilities
- Central Air
- Heating System Uses Oil
- Vented Exhaust Fan
- Hot Water Baseboard Heater
- Well
- Electric Water Heater
- Septic Tank
Community Details
- No Home Owners Association
Listing and Financial Details
- Tax Lot 3
- Assessor Parcel Number 1303094197
Ownership History
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
May 31, 2025
Closed on
Sep 26, 2025
Sold by
Stenger Mary Schreiber
Bought by
Szamski Andrew and Szamski Bailey
Seller's Agent
Lisa Epstein
Cummings & Co. Realtors
Buyer's Agent
Ryan Hollander
Kelly and Co Realty, LLC
List Price
$529,000
Sold Price
$502,500
Premium/Discount to List
-$26,500
-5.01%
Views
378
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$3,719
Avg. Annual Appreciation
-2.23%
Original Mortgage
$426,500
Outstanding Balance
$426,103
Interest Rate
6.35%
Mortgage Type
New Conventional
Estimated Equity
$72,678
Purchase Details
Listed on
Apr 6, 2016
Closed on
Sep 20, 2016
Sold by
Comes Daniel T and Comes Sharon M
Bought by
Stenger Mary S
Seller's Agent
Richard Herbst
Long & Foster Real Estate, Inc.
Buyer's Agent
Lisa Epstein
Cummings & Co. Realtors
List Price
$349,000
Sold Price
$294,000
Premium/Discount to List
-$55,000
-15.76%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
6.12%
Original Mortgage
$204,000
Interest Rate
3.43%
Mortgage Type
New Conventional
Purchase Details
Closed on
Apr 26, 1984
Sold by
Dixon Stanley Frank and Dixon Wf
Bought by
Comes Daniel T
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$52,000
Interest Rate
13.67%
Create a Home Valuation Report for This Property
The Home Valuation Report is an in-depth analysis detailing your home's value as well as a comparison with similar homes in the area
Purchase History
| Date | Type | Sale Price | Title Company |
|---|---|---|---|
| Warranty Deed | $502,500 | Universal Title | |
| Deed | $294,000 | Mid Atlantic Title Llc | |
| Deed | $71,000 | -- |
Source: Public Records
Mortgage History
| Date | Status | Loan Amount | Loan Type |
|---|---|---|---|
| Open | $426,500 | New Conventional | |
| Previous Owner | $204,000 | New Conventional | |
| Previous Owner | $52,000 | No Value Available |
Source: Public Records
Property History
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 09/26/2025 09/26/25 | Sold | $502,500 | -2.8% | $215 / Sq Ft | |
| 07/25/2025 07/25/25 | Price Changed | $517,000 | -0.4% | $221 / Sq Ft | |
| 06/19/2025 06/19/25 | Price Changed | $519,000 | -1.9% | $222 / Sq Ft | |
| 05/31/2025 05/31/25 | For Sale | $529,000 | +79.9% | $226 / Sq Ft | |
| 09/21/2016 09/21/16 | Sold | $294,000 | -1.3% | $188 / Sq Ft | View Prior Sale |
| 08/07/2016 08/07/16 | Pending | -- | -- | -- | |
| 07/07/2016 07/07/16 | Price Changed | $298,000 | -3.9% | $191 / Sq Ft | |
| 05/21/2016 05/21/16 | Price Changed | $310,000 | -5.8% | $199 / Sq Ft | |
| 04/30/2016 04/30/16 | Price Changed | $329,000 | -5.7% | $211 / Sq Ft | |
| 04/06/2016 04/06/16 | For Sale | $349,000 | -- | $224 / Sq Ft |
Source: Bright MLS
Tax History Compared to Growth
Tax History
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $3,604 | $346,800 | $96,300 | $250,500 |
| 2024 | $3,604 | $329,367 | $0 | $0 |
| 2023 | $3,433 | $311,933 | $0 | $0 |
| 2022 | $3,270 | $294,500 | $96,300 | $198,200 |
| 2021 | $3,306 | $289,433 | $0 | $0 |
| 2020 | $3,306 | $284,367 | $0 | $0 |
| 2019 | $3,161 | $279,300 | $109,500 | $169,800 |
| 2018 | $2,981 | $261,000 | $0 | $0 |
| 2017 | $2,835 | $279,300 | $0 | $0 |
| 2016 | -- | $224,400 | $0 | $0 |
| 2015 | $2,840 | $224,400 | $0 | $0 |
| 2014 | $2,840 | $224,400 | $0 | $0 |
Source: Public Records
Agents Affiliated with this Home
-
Lisa Epstein
-
Christopher Chamberlin
Seller Co-Listing Agent in 2025
Christopher Chamberlin
Cummings & Co Realtors
(443) 980-1818
48 Total Sales
-
Ryan Hollander
Buyer's Agent in 2025
Ryan Hollander
Kelly and Co Realty, LLC
(443) 807-0064
113 Total Sales
-
Richard Herbst
Seller's Agent in 2016
Richard Herbst
Long & Foster
(410) 790-5555
2 Total Sales
Map
Source: Bright MLS
MLS Number: MDHR2042888
APN: 03-094197
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