3841 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3841 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,384 sqft · built 1958
Lot Size	0.282 acres (12,327 sqft)
Owner	2 Owner Names on Record
Last Sale	$124,900 (Dec 2001)
Tax Bill	$3,696 (2025)
Deeds & Mortgages	Jun 2022 Mortgage Oct 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0436-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0436-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,384 sqft Living Area
1st Floor Area	1,384 sqft
Basement Area	1,384 sqft

Exterior

Year Built	Built 1958
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	12,327 sqft (0.282 acres)
Lot Dimensions	176 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3841 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W S RUTH LN 85 X 176.50 IRR LOT 7 PT LOT 6 WM WANGS SUB PARS 436 & 437 CONS
Legal Subdivision	WM WANGS SUB
Legal Lot Number	7
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1009
Census Tract	20901

Owner

Source: Hamilton County records, as of February 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Owner Names on Record
Mailing Address	3841 RUTH LN, CINCINNATI, OH 45211-3305
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 21, 2019	Loan Modification, Mortgage · Line of Credit CINCINNATI FED'L
Sep 27, 2019	Deed of Trust, Mortgage · Conventional Mortgage ANGEL OAK MTG SOLUTIONS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 7, 2001 · Amount on Record
Deed Sale	Dec 7, 2001 · Amount on Record
Deed Document Number	01-223736
Deed Book / Page	8764 / 00214
Record Updated	Jun 8, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3841 RUTH LN, CINCINNATI, OH 45211-3305
Transaction Type	Mortgage
Record Updated	Jul 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000060350
Date	Jun 16, 2022
Book Page	14690/2334
Instrument	2022-0060350

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	3841 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000104290
Instrument Date	Oct 21, 2019
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3841 RUTH LN CINCINNATI OH 452113305, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000104290
Date	Nov 25, 2019
Book Page	014051/002065
Instrument	104290

Lender

Name	CINCINNATI FED'L
Address	CINCINNATI, OH 45247

Agreement

Type	Line of Credit
Term	60 Months
Due	Nov 24, 2024

Interest

Rate Type	Adjustable Rate

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3841 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000084820
Instrument Date	Sep 27, 2019
Transaction Type	Mortgage
Record Updated	Nov 27, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2600 RETFORD DR CINCINNATI OH 452311010, CINCINNATI, OH 45231-1010

Mortgage

Document Number	0000084820
Date	Oct 1, 2019
Book Page	014013/002139
Instrument	84820

Lender

Name	ANGEL OAK MTG SOLUTIONS
Address	ATLANTA, GA 30328

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 30, 2049

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	$3,696.00 (+2.92%)	$59,329 (-) Land $11,883 Building $47,446
2024	$3,591.00 (-2.05%)	$59,329 (-) Land $11,883 Building $47,446
2023	$3,666.00 (+15.14%)	$59,329 (+33.01%) Land $11,883 Building $47,446	$169,510 (+33.01%) Land $33,950 Building $135,560
2022	$3,184.00 Homeowner's exemption	$44,604 Land $10,283 Building $34,321
2020			$127,440 Land $29,380 Building $98,060

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

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

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

May also be available: Verizon.

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