3968 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3968 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,492 sqft · built 1939
Lot Size	0.185 acres (8,102 sqft)
Owner	Owner Name on File
Last Sale	$82,000 (Aug 2014)
Tax Bill	$2,700 (2025)
Deeds & Mortgages	May 2019 Construction Loan Apr 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0356-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0356-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,492 sqft Living Area
1st Floor Area	1,008 sqft
Attic	Attic
Attic Area	484 sqft
Basement Area	1,008 sqft
Finished Basement	400 sqft

Exterior

Year Built	Built 1939
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,102 sqft (0.185 acres)
Lot Dimensions	125 ft deep x 65 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	287 sqft
Patio Area	276 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	3968 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	3968 RUTH LN 65 X 125 LOT 18 PT 19 PHILIP REUBEL SUB PARS 356 & 357
Legal Subdivision	PHILIP REUBEL SUB
Legal Lot Number	18
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

The current owner of 3968 Ruth Ln bought it in August 2014.

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

Owner of Record	Owner Name on File
Mailing Address	3968 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied

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
May 2, 2019	Deed of Trust, Mortgage · Construction Mortgage THE HUNTINGTON NATIONAL BANK
Apr 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Last Sale	Aug 22, 2014 · Amount on File
Deed Sale	Aug 22, 2014 · Amount on File
Deed Document Number	324323
Deed Book / Page	01268 / 000695
Record Updated	Jun 8, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3968 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000033386
Date	May 2, 2019
Book Page	13909/00517
Instrument	2019-0033386

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	359 Months
Due	Apr 19, 2049

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3968 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	AGILITY CLOSING & TTL SVCS I

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000051914
Date	Apr 26, 2021
Book Page	14404/2403
Instrument	2021-0051914

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 3968 Ruth Ln was $2,700 with a homeowner's exemption, up 2.8% 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	$2,700.00 (+2.78%) Homeowner's exemption	$53,540 (-) Land $8,701 Building $44,839
2024	$2,627.00 (-20.59%) Homeowner's exemption	$53,540 (-) Land $8,701 Building $44,839
2023	$3,308.00 (+42.89%)	$53,540 (+65.09%) Land $8,701 Building $44,839	$152,970 Land $24,860 Building $128,110
2022	$2,315.00 Homeowner's exemption	$32,431 Land $7,532 Building $24,899
2020			$92,660 Land $21,520 Building $71,140

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 3968 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 3968 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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