1030 Rutledge Ave, Cincinnati, OH 45205 Property Records

Hamilton County property record for 1030 Rutledge Ave, Cincinnati, OH 45205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,275 sqft · built 1931
Lot Size	0.172 acres (7,492 sqft)
Owner	2 Individual Names on File
Last Sale	$239,900 (Jun 2026)
Tax Bill	$3,087 (2025)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Mar 2026 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`179-0077-0393-00`

Property Details

APN / Parcel Number

Primary APN	`179-0077-0393-00`
Alternative APN	`0084457`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,275 sqft Living Area
Gross Area	2,775 sqft
1st Floor Area	1,150 sqft
2nd Floor Area	725 sqft
Basement Area	900 sqft
Finished Basement	400 sqft
Unfinished Basement	500 sqft

Exterior

Year Built	Built 1931
Effective Year Built	Effective 1931
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	7,492 sqft (0.172 acres)
Lot Dimensions	175 ft deep x 44 ft wide
Garage Area	200 sqft

Exterior Amenities

Porch	Porch
Porch Area	104 sqft
Deck Area	Deck Area
Patio Area	20 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1030 RUTLEDGE AVE
City	CINCINNATI
State	OH
Zip	45205-2096
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	RUTLEDGE AVE 44 X 175 LOT 56 HERMAN ELSAESSER REALTY CO 2ND SUB
Legal Subdivision	HERMAN ELSAESSER REALTY CO 2ND SUB
Legal Lot Number	56
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4003
Census Tract	9700

Owner

1030 Rutledge Ave is owned and occupied by two individuals who bought it in June 2026.

Source: Hamilton County records, as of July 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK
Mar 10, 2026	Deed of Trust, Mortgage · Conventional Mortgage GENOA BANKING CO
Oct 13, 2022	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Oct 13, 2022	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Nov 26, 2007 · Amount on File
Deed Document Number	202644892
Deed Book / Page	15682 / 826
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jun 8, 2026
Property Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Document Number	0000044892
Book / Page	15682 / 826
Instrument Date	Jun 8, 2026
Instrument	202644892
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,459.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096

Mortgage

Document Number	0000044893,
Date	Jun 8, 2026
Instrument	202644893

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Transaction Type	Mortgage
Record Updated	Apr 28, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096

Mortgage

Document Number	0000017705
Date	Mar 10, 2026
Book Page	15619/1760
Instrument	2026-0017705

Lender

Name	GENOA BANKING CO
Type	Bank
Address	GENOA, OH 43430

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	12 Months
Due	Mar 10, 2027

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097229
Date	Oct 13, 2022
Book Page	14772/2601
Instrument	2022-0097229

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	178 Months
Due	Aug 1, 2037

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Transaction Type	Mortgage
Record Updated	Nov 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 RUTLEDGE AVE, CINCINNATI, OH 45205-2096

Mortgage

Document Number	0000097230
Date	Oct 13, 2022
Book Page	14772/2606
Instrument	2022-0097230

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Jul 25, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 1030 Rutledge Ave was $3,087, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,087.00 (+3.14%)	$50,029 (-) Land $5,348 Building $44,681	$142,940 Land $15,280 Building $127,660
2024	$2,993.00 (-2.22%)	$50,029 (-) Land $5,348 Building $44,681
2023	$3,061.00 (+86.19%)	$50,029 (+108.37%) Land $5,348 Building $44,681	$142,940 Land $15,280 Building $127,660
2022	$1,644.00 Homeowner's exemption	$24,010 Land $5,313 Building $18,697
2020			$68,600 Land $15,180 Building $53,420

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 1030 Rutledge Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1978.

Source: FEMA National Flood Hazard Layer, effective December 22, 2024 · 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 Claims	1 (1978)
Most Recent Claim	Sep 1978 · tidal / storm surge

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 1030 Rutledge Ave is low, with less than 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 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 ppb (2026) 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 759 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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