3840 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3840 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1957
Lot Size	0.166 acres (7,231 sqft)
Owner	Individual Name on File
Last Sale	$175,000 (Dec 2022)
Tax Bill	$3,815 (2025)
Deeds & Mortgages	Jan 2024 Mortgage Dec 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0438-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0438-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	1,120 sqft
Basement Area	1,120 sqft

Exterior

Year Built	Built 1957
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	7,231 sqft (0.166 acres)
Lot Dimensions	125 ft deep x 55 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	60 sqft
Patio Area	222 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3840 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3840 RUTH LN 55 X 125 IRRLOT 8 WM WANGS SUB & LANDADJ PARS 438-448 CONS
Legal Subdivision	WM WANGS SUB
Legal Lot Number	8
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1009
Census Tract	20901

Owner

Source: Hamilton County assessment roll, as of March 1, 2025

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	3840 RUTH LN, CINCINNATI, OH 45211-3305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 17, 2024	Deed of Trust, Mortgage · VA Mortgage MID-CONTINENT FUNDING INC
Dec 7, 2022	Warranty Deed, Transfer · VA Mortgage MID-CONTINENT FUNDING INC
May 28, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK
May 28, 2020	Deed of Trust, Mortgage · Line of Credit FIRST NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 7, 2022 · Amount on Record
Deed Sale	Dec 7, 2022 · Amount on Record
Prior Sale	Aug 29, 2007 · Amount on Record
Deed Document Number	0000111593
Deed Book / Page	14808 / 1337
Record Updated	Jun 8, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3840 RUTH LN, CINCINNATI, OH 45211-3305
Transaction Type	Mortgage
Record Updated	Feb 23, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003455
Date	Jan 17, 2024
Book Page	15083/170
Instrument	2024-0003455

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2054

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 7, 2022
Property Address	3840 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000111593
Book / Page	14808 / 1337
Map Reference	MB 73 PG 30
Instrument Date	Nov 29, 2022
Instrument	2022-0111593
Transaction Type	Transfer
Record Updated	Jan 25, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$175.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 RUTH LN, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000111594
Date	Dec 7, 2022
Instrument	2022-0111594

Lender

Name	MID-CONTINENT FUNDING INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2052

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3840 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000053643
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 RUTH LN CINCINNATI OH 452113305, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000053643
Date	Jun 8, 2020
Book Page	014184/002752
Instrument	53643

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MASON, OH 45040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	276 Months
Due	Jun 7, 2043

Interest

Rate Type	Adjustable Rate

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3840 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000085801
Instrument Date	May 28, 2020
Transaction Type	Mortgage
Record Updated	Oct 30, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3840 RUTH LN CINCINNATI OH 452113305, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000085801
Date	Aug 26, 2020
Book Page	014240/002789
Instrument	85801

Lender

Name	FIRST NAT'L BK
Type	Bank
Address	MASON, OH 45040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	276 Months
Due	Aug 25, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of March 1, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,815.00 (+2.91%)	$61,250 (+%) Land $8,095 Building $53,155
2024	$3,707.00 (-2.06%)	$61,249 (-) Land $8,095 Building $53,154
2023	$3,785.00 (+42.61%)	$61,249 (+64.76%) Land $8,095 Building $53,154	$175,000 (+64.77%) Land $23,130 Building $151,870
2022	$2,654.00 Homeowner's exemption	$37,174 Land $7,007 Building $30,167
2020			$106,210 Land $20,020 Building $86,190

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 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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 492 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Cincinnati Bell Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Verizon.

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