1034 Rutledge Ave, Cincinnati, OH 45205 Property Records

Hamilton County property record for 1034 Rutledge Ave, Cincinnati, OH 45205

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,323 sqft · built 1932
Lot Size	0.171 acres (7,449 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Apr 2026)
Tax Bill	$3,739 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jun 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`179-0077-0395-00`

Property Details

APN / Parcel Number

Primary APN	`179-0077-0395-00`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,323 sqft Living Area
Gross Area	3,021 sqft
1st Floor Area	1,218 sqft
Attic	Attic
Attic Area	585 sqft
Basement Area	1,218 sqft
Finished Basement	520 sqft
Unfinished Basement	698 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,449 sqft (0.171 acres)
Lot Dimensions	169 ft deep x 44 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	203 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	1034 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 44.13 X 169.90 IR LOT 58 HERMAN ELSAESSER REALTY CO 2ND
Legal Subdivision	HERMAN ELSAESSER REALTY CO 2ND
Legal Lot Number	58
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	4
Census Block	4003
Census Tract	9700

Owner

1034 Rutledge Ave is owned and occupied by two individuals who bought it in April 2026.

Source: Hamilton County records, as of July 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

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
Apr 23, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Jun 6, 2022	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK
Mar 16, 2021	Deed of Trust, Mortgage GUARDIAN SAVINGS BANK FSB
Sep 27, 2018	Warranty Deed, Transfer GUARDIAN SAVINGS BANK FSB

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 23, 2026 · Amount on File
Deed Sale	Apr 23, 2026 · Amount on File
Prior Sale	Sep 27, 2018 · Amount on File
Deed Document Number	202630542
Deed Book / Page	15651 / 455
Prior Transfer Date	Mar 25, 1994
Prior Transfer Doc	0000057711
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 23, 2026
Property Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Document Number	0000030542
Book / Page	15651 / 455
Instrument Date	Apr 14, 2026
Instrument	202630542
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,530.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Investor	Possibly a Property Investor

Mortgage

Document Number	0000030543,
Date	Apr 23, 2026
Book Page	15651/457
Instrument	202630543

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Transaction Type	Mortgage
Record Updated	Oct 31, 2022
Title Company	AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055878
Date	Jun 6, 2022
Book Page	14682/2799
Instrument	2022-0055878

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	3.75%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	5.75%
Index	1-Year CMT
Max Rate	9.75%

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Transaction Type	Mortgage
Record Updated	Oct 31, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033327
Date	Mar 16, 2021
Book Page	14375/2553
Instrument	2021-0033327

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2051

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 27, 2018
Property Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096
Document Number	0000086155
Book / Page	13762 / 00931
Map Reference	MB 33 PG 16-17
Instrument Date	Sep 20, 2018
Instrument	2018-0086155
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AGILITY CLOSING & TITLE SERV

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1034 RUTLEDGE AVE, CINCINNATI, OH 45205-2096

Mortgage

Document Number	0000086156
Date	Sep 27, 2018
Instrument	2018-0086156

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 1034 Rutledge Ave was $3,739, up 0.1% 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	$3,739.00 (+0.13%)	$58,881 (-) Land $5,299 Building $53,582	$168,230 Land $15,140 Building $153,090
2024	$3,734.00 (-0.16%)	$58,881 (-) Land $5,299 Building $53,582
2023	$3,740.00 (+14.58%)	$58,881 (+27.45%) Land $5,299 Building $53,582	$168,230 Land $15,140 Building $153,090
2022	$3,264.00	$46,201 Land $5,268 Building $40,933
2020			$132,000 Land $15,050 Building $116,950

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 1034 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 1034 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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