Hamilton County property record for 1012 Rutledge Ave, Cincinnati, OH 45205 · Last verified February 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,520 sqft · built 1931 |
| Lot Size | 0.121 acres (5,314 sqft) |
| Owner | Individual Name on File |
| Last Sale | $240,000 (Jul 2023) |
| Tax Bill | $2,641 (2025) |
| Deeds & Mortgages | Jul 2023 Sale & Mortgage Jun 2022 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 179-0077-0387-00 |
| Primary APN | 179-0077-0387-00 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,520 sqft Living Area |
| 1st Floor Area | 760 sqft |
| 2nd Floor Area | 760 sqft |
| Basement Area | 760 sqft |
| Finished Basement | 500 sqft |
| Year Built | Built 1931 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Masonry / Concrete Block |
| Lot Area | 5,314 sqft (0.121 acres) |
| Lot Dimensions | 130 ft deep x 129 ft wide |
| Garage Type | Detached |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Porch |
| Porch Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 1012 RUTLEDGE AVE |
|---|---|
| City | CINCINNATI |
| State | OH |
| Zip | 45205-2022 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | RUTLEDGE AVE 40 X 130 IRRLOT 48 HERMAN ELSAESSER REALTY CO 2ND SUB |
| Legal Subdivision | REALTY CO 2ND SUB |
| Legal Lot Number | 48 |
| Jurisdiction | HAMILTON OH |
| Township / Civil Division | CINCINNATI |
| Census Block Group | 4 |
| Census Block | 4005 |
| Census Tract | 9700 |
Source: Hamilton County records · APN 179-0077-0387-00
Assessment roll updated March 1, 2025 · Last verified February 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Verified Secondary Owner |
| Mailing Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 31, 2023 | Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BANK & TRUST CO |
| Jun 07, 2022 | Deed of Trust, Mortgage · Line of Credit GUARDIAN SAVINGS BANK |
| Aug 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK |
| Apr 07, 2020 | Deed of Trust, Mortgage GUARDIAN SVGS BK |
| Jan 22, 2018 | Warranty Deed, Transfer · Conventional Mortgage GUARDIAN SAVINGS BANK FSB |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 31, 2023 · Amount on Record |
| Deed Sale | Jul 31, 2023 · Amount on Record |
| Prior Sale | Jan 22, 2018 · Amount on Record |
| Deed Document Number | 0000053189 |
| Deed Book / Page | 14968 / 2525 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jul 31, 2023 |
| Property Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Document Number | 0000053189 |
| Book / Page | 14968 / 2525 |
| Map Reference | MB 33 PG 16&17 |
| Instrument Date | Jul 27, 2023 |
| Instrument | 2023-0053189 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2023 |
| Title Company | LAWYERS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $240.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Document Number | 0000053190 |
|---|---|
| Date | Jul 31, 2023 |
| Instrument | 2023-0053190 |
| Name | REPUBLIC BANK & TRUST CO |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | PRODIGY TITLE |
| Name | Verified Name |
|---|---|
| Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Document Number | 0000056469 |
|---|---|
| Date | Jun 07, 2022 |
| Book Page | 14683/1526 |
| Instrument | 2022-0056469 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | May 22, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | PROMINENT TITLE AGENCY LLC |
| Name | Verified Name |
|---|
| Document Number | 0000104836 |
|---|---|
| Date | Aug 30, 2021 |
| Book Page | 14491/3218 |
| Instrument | 2021-0104836 |
| Name | GUARDIAN SAVINGS BANK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45239 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HAMILTON OH |
| Property Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Document Number | 0000034312 |
| Instrument Date | Apr 07, 2020 |
| Transaction Type | Mortgage |
| Record Updated | May 28, 2020 |
| Title Company | PROMINENT TITLE AGENCY LLC, PROMINENT TITLE AGCY LLC |
| Name | Verified Name |
|---|---|
| Address | 1012 RUTLEDGE AVE CINCINNATI OH 452052022, CINCINNATI, OH 45205-2022 |
| Document Number | 0000034312 |
|---|---|
| Date | Apr 13, 2020 |
| Book Page | 014145/002354 |
| Instrument | 34312 |
| Name | GUARDIAN SVGS BK |
|---|---|
| Type | Federal Savings Bank |
| Address | CINCINNATI, OH 45239 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Apr 12, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HAMILTON OH |
| Recording Date | Jan 22, 2018 |
| Property Address | 1012 RUTLEDGE AVE, CINCINNATI, OH 45205-2022 |
| Document Number | 0000005799 |
| Map Reference | MB 33 PG 16 |
| Instrument Date | Jan 10, 2018 |
| Instrument | 18-0005799 |
| Transaction Type | Transfer |
| Record Updated | Feb 22, 2022 |
| Title Company | PROMINENT TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $374.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2774 BLUE ROCK RD, CINCINNATI, OH 45239-6333 |
| Document Number | 0000005800 |
|---|---|
| Date | Jan 22, 2018 |
| Instrument | 18-0005800 |
| Name | GUARDIAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2048 |
Source: Hamilton County records · Assessment roll updated March 1, 2025 · Last verified February 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hamilton County |
| Municipality | Cincinnati City |
| Unified School District | Cincinnati City School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,641.00 (+2.96%) | $42,067 (-) Land $4,298 Building $37,769 | |
| 2024 | $2,565.00 (-2.1%) | $42,067 (-) Land $4,298 Building $37,769 | |
| 2023 | $2,620.00 (+78.72%) | $42,067 (+102.68%) Land $4,298 Building $37,769 | $120,190 (+102.68%) Land $12,280 Building $107,910 |
| 2022 | $1,466.00 Homeowner's exemption | $20,755 Land $4,270 Building $16,485 | |
| 2020 | $59,300 Land $12,200 Building $47,100 |
Source: FEMA National Flood Hazard Layer, Hamilton County (39061C), updated December 22, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390610097004, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | Sep 1978, tidal / storm surge |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 759 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Cincinnati Bell | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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