3947 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3947 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,481 sqft · built 1937
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on File
Last Sale	$118,000 (Aug 2019)
Tax Bill	$3,310 (2025)
Deeds & Mortgages	Sep 2025 Mortgage Aug 2020 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0341-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0341-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,481 sqft Living Area
1st Floor Area	1,001 sqft
Attic	Attic
Attic Area	480 sqft
Basement Area	1,001 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1937
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	6,273 sqft (0.144 acres)
Lot Dimensions	125 ft deep x 50 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3947 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LE 50 X 125.74 IRR LOT 3 PHILIP RUEBELS SUB
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

3947 Ruth Ln is owned by an individual who acquired it in September 2025.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	475 BRICKELL AVE APT 2109, 2109, MIAMI, FL 33131-2539
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 19, 2025	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Aug 3, 2020	Quit Claim Deed, Transfer RIVERTOWNE TITLE LLC
Feb 14, 2020	Deed of Trust, Mortgage · Line of Credit FIRST CMNWLT BK
Aug 21, 2019	Warranty Deed, Transfer RIVERTOWNE TITLE LLC
Mar 6, 2017	Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 21, 2019 · Amount on File
Deed Sale	Aug 21, 2019 · Amount on File
Prior Sale	Aug 3, 2020
Deed Document Number	0000069912
Deed Book / Page	013985 / 001149
Last Transfer Date	Sep 19, 2025
Transfer Doc	0000072582
Record Updated	Jun 8, 2026

September 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 19, 2025
Property Address	3947 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000072582
Book / Page	15504 / 267
Map Reference	MB 36 PG 11
Instrument Date	Sep 11, 2025
Instrument	2025-0072582
Transaction Type	Transfer
Record Updated	Oct 21, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	475 BRICKELL AVE APT 2109, 2109, MIAMI, FL 33131-2539

Mortgage

Document Number	0000072583
Date	Sep 19, 2025
Instrument	2025-0072583

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2055

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 3, 2020
Property Address	3947 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000075928
Book / Page	014223 / 002025
Instrument Date	Jul 22, 2020
Instrument	75928
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	RIVERTOWNE TITLE LLC

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3947 RUTH LN CINCINNATI OH 452113307, CINCINNATI, OH 45211-3307

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3947 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000021091
Instrument Date	Feb 14, 2020
Transaction Type	Mortgage
Record Updated	May 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3947 RUTH LN CINCINNATI OH 452113307, CINCINNATI, OH 45211-3307

Mortgage

Document Number	0000021091
Date	Mar 3, 2020
Book Page	014116/000046
Instrument	21091

Lender

Name	FIRST CMNWLT BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 2, 2040

Interest

Rate Type	Adjustable Rate

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Aug 21, 2019
Property Address	3947 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000069912
Book / Page	013985 / 001149
Instrument Date	Aug 11, 2019
Instrument	69912
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	RIVERTOWNE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$472.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3947 RUTH LN CINCINNATI OH 452113307, CINCINNATI, OH 45211-3307

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 6, 2017
Property Address	3947 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000009598
Map Reference	PB 36 PG 11
Instrument Date	Feb 16, 2017
Instrument	17-0019598
Transaction Type	Transfer
Record Updated	Feb 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$314.70
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	3947 RUTH LN, CINCINNATI, OH 45211-3307

Mortgage

Document Number	0000009599
Date	Mar 6, 2017
Instrument	17-0019599

Lender

Name	HOMESIDE FINANCIAL LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3947 Ruth Ln was $3,310, up 0.2% from the year before.

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	$3,310.00 (+0.15%)	$51,695 (-) Land $7,567 Building $44,128
2024	$3,305.00 (-0.15%)	$51,695 (-) Land $7,567 Building $44,128
2023	$3,310.00 (+8.52%)	$51,695 (+25.17%) Land $7,567 Building $44,128	$147,700 Land $21,620 Building $126,080
2022	$3,050.00	$41,301 Land $6,549 Building $34,752
2020			$118,000 Land $18,710 Building $99,290

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

FEMA maps place 3947 Ruth Ln in Zone X, an area of minimal flood risk.

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

The area around 3947 Ruth Ln has no burnable land within ember reach, so its wildfire risk is not rated.

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 711 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	1,000 / 1,000

May also be available: T-Mobile, Verizon.

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