3948 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3948 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,223 sqft · built 1940
Lot Size	0.177 acres (7,710 sqft)
Owner	Individual Name on File
Last Sale	$200,000 (Mar 2022)
Tax Bill	$4,361 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Mar 2022 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0362-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0362-00`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,223 sqft Living Area
Gross Area	3,368 sqft
1st Floor Area	1,240 sqft
2nd Floor Area	762 sqft
Upper Floors Area	762 sqft
Basement Area	952 sqft
Finished Basement	221 sqft
Unfinished Basement	731 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Brick
Roof Material	Asphalt
Lot Area	7,710 sqft (0.177 acres)
Lot Dimensions	125 ft deep x 62 ft wide
Garage Type	Attached
Garage Area	414 sqft
Parking Spaces	2 Parking Spaces
Deck Area	Deck Area
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3948 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3948 RUTH LANE 62 X 125 LOT 24 PT 25 PHILIP RUEBEL SUB PARS 362-385
Legal Subdivision	PHILIP RUEBEL SUB
Legal Lot Number	24
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

3948 Ruth Ln is owned and occupied by an individual who bought it in March 2022.

Source: Hamilton County records, as of June 3, 2026

Owner of Record	Individual Name on File
Mailing Address	3948 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied
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
Jan 21, 2026	Deed of Trust, Mortgage · Line of Credit THIRD FSLA OF CLEVELAND
Mar 24, 2022	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2022 · Amount on File
Deed Sale	Mar 24, 2022 · Amount on File
Prior Sale	Nov 9, 2015 · Amount on File
Deed Document Number	202230779
Deed Book / Page	14631 / 999
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3948 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Feb 23, 2026
Title Company	THIRD CAPITAL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004756
Date	Jan 21, 2026
Book Page	15586/1111
Instrument	2026-0004756

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	251 Months
Due	Dec 24, 2046

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 24, 2022
Property Address	3948 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000030779
Book / Page	14631 / 999
Map Reference	MB 36 PG 11
Instrument Date	Feb 24, 2022
Instrument	2022-0030779
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3948 RUTH LN, CINCINNATI, OH 45211-3307

Mortgage

Document Number	0000030780
Date	Mar 24, 2022
Instrument	2022-0030780

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3948 Ruth Ln was $4,361, up 2.9% from the year before.

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	$4,361.00 (+2.93%)	$70,001 (+%) Land $8,474 Building $61,527	$200,000 Land $24,210 Building $175,790
2024	$4,237.00 (-2.03%)	$69,999 (-) Land $8,473 Building $61,526
2023	$4,325.00 (+6.37%)	$69,999 (+22.91%) Land $8,473 Building $61,526	$200,000 Land $24,210 Building $175,790
2022	$4,066.00 Homeowner's exemption	$56,952 Land $7,336 Building $49,616
2020			$162,720 Land $20,960 Building $141,760

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 3948 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 3948 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 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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