3962 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3962 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 1938
Lot Size	0.144 acres (6,273 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (May 2024)
Tax Bill	$3,006 (2025)
Deeds & Mortgages	Jan 2023 Line of Credit Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0358-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0358-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,344 sqft Living Area
1st Floor Area	672 sqft
2nd Floor Area	672 sqft
Basement Area	672 sqft
Finished Basement	300 sqft
Fireplaces	1 Fireplace
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
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3962 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3962 RUTH LANE 50 X 125 PTS LOTS 19 & 20 PHILIP RUEBEL PARS 358 & 373
Legal Subdivision	REUBEL PHILIP
Legal Lot Number	19 20
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

3962 Ruth Ln is owned and occupied by an individual who bought it in May 2024.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	3962 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 26, 2023	Warranty Deed, Transfer · Line of Credit FIRST NATIONAL BANK OF KENTUCKY
Sep 14, 2022	Fiduciary Deed, Transfer
Aug 23, 2022	Certificate of Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2024 · Amount on File
Deed Sale	May 31, 2024 · Amount on File
Prior Sale	Jan 26, 2023
Deed Document Number	0000036523
Deed Book / Page	15178 / 269
Record Updated	Jun 8, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 26, 2023
Property Address	3962 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000006650
Book / Page	14840 / 957
Map Reference	MB 36 PG 11
Instrument Date	Jan 25, 2023
Instrument	2023-0006650
Transaction Type	Transfer
Record Updated	Feb 24, 2023

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6234 CENTRE PARK DR STE C, C, WEST CHESTER, OH 45069-3993

Mortgage

Document Number	0000006756
Date	Jan 26, 2023
Instrument	2023-0006756

Lender

Name	FIRST NATIONAL BANK OF KENTUCKY
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 25, 2038

September 2022: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 14, 2022
Property Address	3962 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000087940
Book / Page	14751 / 1902
Map Reference	MB 36 PG 11
Instrument Date	Sep 8, 2022
Instrument	2022-0087940
Transaction Type	Transfer
Record Updated	Oct 26, 2022

Transaction

Amount	Amount on Record
Tax	$420.00
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	6234 CENTRE PARK DR STE C, C, WEST CHESTER, OH 45069-3993

August 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	HAMILTON OH
Recording Date	Aug 23, 2022
Property Address	3962 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000081660
Book / Page	14736 / 1829
Map Reference	MB 36 PG 11
Instrument Date	Aug 22, 2022
Instrument	2022-0081660
Transaction Type	Transfer
Record Updated	Sep 27, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 PLEASANT HILL DR, WYOMING, OH 45215-4231

Tax Assessment & Valuation

The 2025 property tax bill for 3962 Ruth Ln was $3,006, down 2.6% 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	$3,006.00 (-2.56%)	$48,244 (-) Land $7,567 Building $40,677
2024	$3,085.00 (-0.13%)	$48,244 (-) Land $7,567 Building $40,677
2023	$3,089.00 (+65.63%)	$48,244 (+37.91%) Land $7,567 Building $40,677	$137,840 Land $21,620 Building $116,220
2022	$1,865.00 Homeowner's exemption	$34,983 Land $6,549 Building $28,434
2020			$99,950 Land $18,710 Building $81,240

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 3962 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 3962 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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