3857 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3857 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,004 sqft · built 1958
Lot Size	0.166 acres (7,231 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Apr 2026)
Tax Bill	$3,603 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0433-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0433-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
Gross Area	2,008 sqft
1st Floor Area	1,004 sqft
Basement Area	1,004 sqft

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,231 sqft (0.166 acres)
Lot Dimensions	87.4 ft deep x 59.8 ft wide
Garage Type	Basement
Garage Area	200 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3857 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3305
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUCKLE LE 59.81 X 87.36 IRR LOT 3 WM WANGS SUB
Legal Subdivision	WM WANGS SUB
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1009
Census Tract	20901

Owner

Source: Hamilton County records, as of May 21, 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	3857 RUTH LN, CINCINNATI, OH 45211-3305
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Warranty Deed, Transfer · Conventional Mortgage THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION
Jan 9, 2026	Certificate of Transfer, Transfer
Jul 6, 2022	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 17, 2026 · Amount on Record
Deed Sale	Apr 17, 2026 · Amount on Record
Prior Sale	Jul 6, 2022 · Amount on Record
Deed Document Number	202628957
Deed Book / Page	15647 / 265
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Apr 17, 2026
Property Address	3857 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000028957
Book / Page	15647 / 265
Instrument Date	Apr 14, 2026
Instrument	2026.28957
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	MERIDIAN TITLE, VIRIDIAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$38,380.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3857 RUTH LN, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000028958,
Date	Apr 17, 2026
Instrument	2026..28958

Lender

Name	THIRD FEDERAL SAVINGS AND LOANS ASSOCIATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

January 2026: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	HAMILTON OH
Recording Date	Jan 9, 2026
Property Address	3857 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000002190
Book / Page	15579 / 1124
Map Reference	MB 73 PG 40
Instrument Date	Nov 28, 2025
Instrument	2026-0002190
Transaction Type	Transfer
Record Updated	Feb 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3857 RUTH LN, CINCINNATI, OH 45211-3305

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 6, 2022
Property Address	3857 RUTH LN, CINCINNATI, OH 45211-3305
Document Number	0000065834
Book / Page	14702 / 508
Map Reference	MB 73 PG 30
Instrument Date	Jun 29, 2022
Instrument	2022-0065834
Transaction Type	Transfer
Record Updated	Aug 19, 2022
Title Company	NORTHWEST TITLE FAM/COMPANIES, NORTHWEST TTL FAM OF COMPANI

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$495.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3857 RUTH LN, CINCINNATI, OH 45211-3305

Mortgage

Document Number	0000065835
Date	Jul 6, 2022
Instrument	2022-0065835

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

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	$3,603.00 (+2.91%)	$57,838 (-) Land $6,878 Building $50,960	$165,250 (-) Land $19,650 Building $145,600
2024	$3,501.00 (-2.04%)	$57,838 (-) Land $6,878 Building $50,960
2023	$3,574.00 (+91.23%)	$57,838 (+128.49%) Land $6,878 Building $50,960	$165,250 (+128.5%) Land $19,650 Building $145,600
2022	$1,869.00	$25,313 Land $5,954 Building $19,359
2020			$72,320 Land $17,010 Building $55,310

Assessed value is set for property tax purposes, not a market price estimate; it is 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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