10912 Ruby Rd, Cambridge, OH 43725 Property Records

Guernsey County property record for 10912 Ruby Rd, Cambridge, OH 43725 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2.5 ba · 2,952 sqft · built 2004
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on File
Tax Bill	$5,493 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-0003828.002`

Property Details

APN / Parcel Number

Primary APN	`02-0003828.002`
Alternative APN	`001827-9`

Interior

Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,952 sqft Living Area
1st Floor Area	1,716 sqft
Basement Area	1,404 sqft
Unfinished Basement	1,404 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Construction Type	Frame
Roof Material	Shingle
Lot Area	174,240 sqft (4 acres)
Garage Type	Attached
Garage Area	1,584 sqft
Porch	Slab
Porch Area	110 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central

Location & Zoning

Account Number	001827-9
Street Address	10912 RUBY RD
City	CAMBRIDGE
State	OH
Zip	43725-8675
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	R3 T3 SS21 PT SE 1/4
Legal Range	03W
Legal Township	03N
Legal Section	21
Legal Subdivision	UNITED STATES MILITARY DISTRICT
Legal Tract	3
Jurisdiction	GUERNSEY OH
Township / Civil Division	CAMBRIDGE
Census Block Group	3
Census Block	3021
Census Tract	977700

Owner

Source: Guernsey County records · APN 02-0003828.002

Assessment roll updated March 3, 2026 · Last verified July 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
Mailing Address	10912 RUBY RD, CAMBRIDGE, OH 43725-8675
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 08, 2021	Deed of Trust, Mortgage · Line of Credit RIVERVIEW FCU INC
Jan 27, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 28, 2011
Transfer Doc	00476/2983
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	10912 RUBY RD, CAMBRIDGE, OH 43725-8675
Transaction Type	Mortgage
Record Updated	Apr 19, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10912 RUBY RD, CAMBRIDGE, OH 43725-8675

Mortgage

Document Number	574/5157
Date	Apr 08, 2021
Book Page	574/5157
Instrument	202100001839

Lender

Name	RIVERVIEW FCU INC
Type	Credit Union
Address	BELPRE, OH 45714

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Mar 15, 2031

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GUERNSEY OH
Property Address	10912 RUBY RD, CAMBRIDGE, OH 43725-8675
Transaction Type	Mortgage
Record Updated	Feb 10, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	573/3804
Date	Jan 27, 2021
Book Page	573/3804
Instrument	202100000492

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 01, 2050

Tax Assessment & Valuation

Source: Guernsey County records · Assessment roll updated March 3, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Guernsey County
County Subdivision	Cambridge Township
Unified School District	Cambridge City School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,493.00 (-1.49%) Homeowner's exemption	$126,486 (-) Land $16,786 Building $109,700
2024	$5,576.00 (+20.04%) Homeowner's exemption	$126,486 (+24.72%) Land $16,786 Building $109,700	$361,390 (+24.72%) Land $47,960 Building $313,430
2023	$4,645.00 (-0.41%) Homeowner's exemption	$101,416 (%) Land $13,321 Building $88,095
2022	$4,664.00 Homeowner's exemption	$101,420 Land $13,320 Building $88,100	$289,760 (-) Land $38,060 Building $251,700
2021			$289,760 Land $38,060 Building $251,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Guernsey County (39059C), updated August 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390599777003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	3 in force
Nearby Flood Claims	14 (1998–2004)
Claims Outside the SFHA	4 of 14
Most Recent Claim	Sep 2004, river or lake flooding, Severe Storms And Flooding
Claims By Storm	Severe Storms And Flooding, Sep 2004 · 8 claims Severe Storms, Flooding, And Tornadoes, Jun 1998 · 6 claims

Wildfire

Wildfire Risk	Low above 20% of the US · above 64% of Ohio
Wildfire Likelihood	About 1 in 3,333 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 8 locations within about half a mile of this property, a small sample

Provider	Technology	Download / Upload (Mbps)
Frontier	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 35
Verizon	Fixed Wireless	300 / 20

May also be available at this address: Ampersand Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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