3847 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3847 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,405 sqft · built 1956
Lot Size	0.312 acres (13,634 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Aug 2018)
Tax Bill	$4,225 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0435-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0435-00`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,405 sqft Living Area
1st Floor Area	1,336 sqft
2nd Floor Area	1,069 sqft
Upper Floors Area	1,069 sqft
Basement Area	1,336 sqft

Exterior

Year Built	Built 1956
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	13,634 sqft (0.312 acres)
Lot Dimensions	173 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3847 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3847 RUTH LN 80 X 173.87 IRR LOT 5 PT 6 WM WANGS SUB PARS 435-446 CONS
Legal Subdivision	WM WANGS SUB
Legal Lot Number	5
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	Individual Name on Record
Mailing Address	3847 RUTH LN, CINCINNATI, OH 45211-3305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 17, 2017	Deed of Trust, Mortgage · Line of Credit MIAMI SAVINGS BANK
Apr 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS
Aug 14, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2018 · Amount on Record
Deed Sale	Aug 14, 2018 · Amount on Record
Prior Sale	Jun 24, 2002 · Amount on Record
Deed Document Number	0000071420
Deed Book / Page	013731 / 001549
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3847 RUTH LN, CINCINNATI, OH 45211-3305
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003907
Date	Jul 17, 2017
Instrument	17-0063907

Lender

Name	MIAMI SAVINGS BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3847 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000035789
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	May 14, 2021
Title Company	OLD TOWN TITLE AGENCY, OLD TOWN TITLE AGCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3847 RUTH LN CINCINNATI OH 452113305, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000035789
Date	Apr 16, 2020
Book Page	014148/002404
Instrument	35789

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 15, 2040

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 14, 2018
Property Address	3847 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000071420
Book / Page	013731 / 001549
Instrument Date	Aug 10, 2018
Instrument	71420
Transaction Type	Transfer
Record Updated	Oct 12, 2018
Title Company	OTHER

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Confirmed
Additional	Lis Pendens Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3847 RUTH LN CINCINNATI OH 452113305, CINCINNATI, OH 45211-3305

Mortgage

Document Number	71421
Date	Aug 14, 2018
Book Page	013731/001551
Instrument	71421

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 13, 2048

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	$4,225.00 (+2.8%) Homeowner's exemption	$78,019 (-) Land $11,246 Building $66,773
2024	$4,110.00 (-14.75%) Homeowner's exemption	$78,019 (-) Land $11,246 Building $66,773
2023	$4,821.00 (+16.93%)	$78,019 (+35.1%) Land $11,246 Building $66,773	$222,910 (+35.1%) Land $32,130 Building $190,780
2022	$4,123.00 Homeowner's exemption	$57,751 Land $9,734 Building $48,017
2020			$165,000 Land $27,810 Building $137,190

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

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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