3940 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3940 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,300 sqft · built 1948
Lot Size	0.158 acres (6,882 sqft)
Owner	Company Name on Record
Last Sale	$187,000 (Jan 2022)
Tax Bill	$4,191 (2025)
Deeds & Mortgages	Nov 2022 Sale Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0363-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0363-00`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,300 sqft Living Area
Gross Area	2,404 sqft
1st Floor Area	895 sqft
Attic	Attic
Attic Area	405 sqft
Basement Area	895 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	6,882 sqft (0.158 acres)
Lot Dimensions	125 ft deep x 55.4 ft wide
Garage Type	Attached
Garage Area	209 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	72 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3940 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LANE 55.42 X 125 PTS LOTS 25-26 PHILIP RUEBELS SUB PARS 363-364 CONS
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	25-26
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

Source: Hamilton County records, as of April 16, 2026

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

Owner of Record	Company Name on Record
Mailing Address	7236 LONGFIELD DR, CINCINNATI, OH 45243-2210
Owner Type	Company
Vesting	Limited Liability Company

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Limited Warranty Deed, Transfer
Jan 5, 2022	Survivorship Deed, Transfer · Conventional Mortgage NATIONS LENDING CORP
Jul 30, 2021	Fiduciary Deed, Transfer · Stand-Alone First Mortgage GREEN GABLES INTERNATIONAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 5, 2022 · Amount on Record
Deed Sale	Jan 5, 2022 · Amount on Record
Prior Sale	Jul 30, 2021 · Amount on Record
Deed Document Number	20221196
Deed Book / Page	14577 / 580
Prior Transfer Date	Oct 7, 2004
Prior Transfer Doc	0000215820
Record Updated	Sep 20, 2026

November 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Nov 30, 2022
Property Address	3940 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000109395
Book / Page	14803 / 305
Map Reference	MB 36 PG 11
Instrument Date	Nov 19, 2022
Instrument	2022-0109395
Transaction Type	Transfer
Record Updated	Dec 21, 2022

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	7236 LONGFIELD DR, CINCINNATI, OH 45243-2210

January 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 5, 2022
Property Address	3940 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000001196
Book / Page	14577 / 580
Map Reference	MB 36 PG 11
Instrument Date	Dec 17, 2021
Instrument	2022-0001196
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	AMERICAN HOMELAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
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	590 IAROMIC NAIL, EVENDALE, OH 45215

Mortgage

Document Number	0000001197
Date	Jan 5, 2022
Instrument	2022-0001197

Lender

Name	NATIONS LENDING CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2052

July 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Jul 30, 2021
Property Address	3940 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000092583
Book / Page	14470 / 1713
Map Reference	MB 26 PG 11
Instrument Date	Jul 28, 2021
Instrument	2021-0092583
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Tax	$150.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6537 CLIFF RIDGE LN, CINCINNATI, OH 45213-1049

Mortgage

Document Number	0000092584
Date	Jul 30, 2021
Book Page	14470/1715
Instrument	2021-0092584

Lender

Name	GREEN GABLES INTERNATIONAL LLC
Type	Non-Lending Institution
Address	CINCINNATI, OH 45213

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Jul 23, 2022

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	$4,191.00 (+0.14%)	$65,450 (-) Land $7,945 Building $57,505	$187,000 (-) Land $22,700 Building $164,300
2024	$4,185.00 (-0.14%)	$65,450 (-) Land $7,945 Building $57,505
2023	$4,191.00 (+61.19%)	$65,450 (+79.89%) Land $7,945 Building $57,505	$187,000 (+79.89%) Land $22,700 Building $164,300
2022	$2,600.00 Homeowner's exemption	$36,383 Land $6,878 Building $29,505
2020			$103,950 Land $19,650 Building $84,300

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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