3103 Ruby Ave, Cleveland, OH 44109 Property Records

Cuyahoga County property record for 3103 Ruby Ave, Cleveland, OH 44109

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 1,488 sqft · built 1910
Lot Size	0.1 acres (4,375 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (May 2026)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Sep 2022 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`011-03-077`

Property Details

APN / Parcel Number

Primary APN	`011-03-077`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,488 sqft Living Area
Gross Area	2,232 sqft
1st Floor Area	744 sqft
2nd Floor Area	744 sqft
Basement Area	744 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1962
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,375 sqft (0.1 acres)
Lot Dimensions	125 ft deep x 35 ft wide
Garage Type	Detached
Garage Area	180 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	247 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	3103 RUBY AVE
City	CLEVELAND
State	OH
Zip	44109-4353
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	2F
Legal Description	63 SEARS 0345 ALL
Legal Subdivision	P W SEARS
Legal Lot Number	345
Jurisdiction	CUYAHOGA OH
Township / Civil Division	CLEVELAND
Census Block Group	1
Census Block	1008
Census Tract	106800

Owner

Source: Cuyahoga County records, as of May 20, 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 Record
Mailing Address	3130 BUENOS AIRES PL, 123, DULLES, VA 20189-3132
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE, INC
Sep 26, 2022	Warranty Deed, Transfer · Line of Credit FIRST OHIO HOME FINANCE INC
May 6, 2021	Warranty Deed, Transfer · Conventional Mortgage GOLD STAR MORTGAGE FINANCIAL GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 11, 2026 · Amount on Record
Deed Sale	May 11, 2026 · Amount on Record
Prior Sale	Sep 26, 2022 · Amount on Record
Deed Document Number	2026559
Prior Transfer Date	Jun 20, 1983
Prior Transfer Doc	0167000415
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	May 11, 2026
Property Address	3103 RUBY AVE, CLEVELAND, OH 44109-4353
Document Number	0000000559
Instrument Date	May 6, 2026
Instrument	2026.559
Transaction Type	Transfer
Record Updated	May 21, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$50,500.00
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

Mortgage

Document Number	0000000560,
Date	May 11, 2026
Instrument	2026.11.560

Lender

Name	GUARANTEED RATE, INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.38%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	Sep 26, 2022
Property Address	3103 RUBY AVE, CLEVELAND, OH 44109-4353
Document Number	0000000465
Map Reference	VOL 17 PG 17
Instrument Date	Sep 13, 2022
Instrument	202209260465
Transaction Type	Transfer
Record Updated	Oct 17, 2022
Title Company	LANDSEL TITLE, LANDSEL TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	385 COUNTY LINE ROAD W #200 # 200, 200, WORTHINGTON, OH 43085

Mortgage

Document Number	0000000466
Date	Sep 26, 2022
Instrument	202209260466

Lender

Name	FIRST OHIO HOME FINANCE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CUYAHOGA OH
Recording Date	May 6, 2021
Property Address	3103 RUBY AVE, CLEVELAND, OH 44109-4353
Document Number	0000000403
Map Reference	VOL 17 PG 17
Instrument Date	Apr 28, 2021
Instrument	202105060403
Transaction Type	Transfer
Record Updated	Jun 22, 2021
Title Company	TITLE BLU, TITLEBLU

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3103 RUBY AVE, CLEVELAND, OH 44109-4353

Mortgage

Document Number	0000000404
Date	May 6, 2021
Instrument	202105060404

Lender

Name	GOLD STAR MORTGAGE FINANCIAL GROUP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

Tax Assessment & Valuation

Source: Cuyahoga County assessment roll, as of March 16, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Cuyahoga County
Municipality	Cleveland City
Unified School District	Cleveland Municipal School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,588.00 (+0.03%) Homeowner's exemption	$54,250 (-0.02%) Land $8,015 Building $46,235	$155,000 (-) Land $22,900 Building $132,100
2024	$3,587.00 (+113.77%) Homeowner's exemption	$54,260 (+147.2%) Land $8,020 Building $46,240	$155,000 (+147.21%) Land $22,900 Building $132,100
2023	$1,678.00 (-0.83%) Homeowner's exemption	$21,950 (-) Land $5,500 Building $16,450
2022	$1,692.00	$21,950 Land $5,500 Building $16,450
2021			$62,700 Land $15,700 Building $47,000

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective December 16, 2021 · 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 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Oct 2012 · Severe Storms And Flooding Due To The Remnants Of Hurricane Sandy

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CLEVELAND PUBLIC WATER SYSTEM serves 1,308,955 people · EPA ID OH1801212
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 1,093 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	1,000 / 75
PCs for People Fixed Wireless	100 / 100
DigitalC Fixed Wireless	100 / 100

May also be available: T-Mobile.

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