3949 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3949 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,280 sqft · built 1938
Lot Size	0.144 acres (6,273 sqft)
Owner	2 Owner Names on Record
Last Sale	$117,900 (Jan 2004)
Tax Bill	$2,316 (2025)
Deeds & Mortgages	Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0342-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0342-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,280 sqft Living Area
1st Floor Area	890 sqft
Attic	Attic
Attic Area	390 sqft
Basement Area	890 sqft
Finished Basement	245 sqft
Fireplace	Fireplace

Exterior

Year Built	Built 1938
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
Garage Area	200 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	90 sqft
Patio Area	189 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3949 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LE 50 X 125.49 IRR LOT 4 PHILIP RUEBELS SUB
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	4
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
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	2 Owner Names on Record
Mailing Address	3949 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 12, 2004 · Amount on Record
Deed Sale	Jan 12, 2004 · Amount on Record
Prior Sale	May 11, 2000
Deed Document Number	04-015087
Deed Book / Page	9504 / 01935
Record Updated	Jun 8, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3949 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Sep 22, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102713
Date	Aug 25, 2021
Book Page	14488/182
Instrument	2021-0102713

Lender

Name	JLB CORP
Type	Mortgage Company
Address	CINCINNATI, OH 45236

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$2,316.00 (+2.71%) Homeowner's exemption	$47,380 (-) Land $7,567 Building $39,813
2024	$2,255.00 (-4.16%) Homeowner's exemption	$47,380 (-) Land $7,567 Building $39,813
2023	$2,353.00 (+26.71%) Homeowner's exemption	$47,380 (+35.9%) Land $7,567 Building $39,813	$135,370 (+35.9%) Land $21,620 Building $113,750
2022	$1,857.00 Homeowner's exemption	$34,864 Land $6,549 Building $28,315
2020			$99,610 Land $18,710 Building $80,900

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 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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