3979 Ruth Ln, Cincinnati, OH 45211 Property Records

Hamilton County property record for 3979 Ruth Ln, Cincinnati, OH 45211

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,234 sqft · built 1940
Lot Size	0.201 acres (8,756 sqft)
Owner	2 Individual Names on Record
Last Sale	$140,100 (Dec 2020)
Tax Bill	$3,055 (2025)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`551-0001-0350-00`

Property Details

APN / Parcel Number

Primary APN	`551-0001-0350-00`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,234 sqft Living Area
Gross Area	2,819 sqft
1st Floor Area	947 sqft
Attic	Attic
Attic Area	925 sqft
Basement Area	947 sqft
Finished Basement	287 sqft
Unfinished Basement	660 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	8,756 sqft (0.201 acres)
Garage Type	Basement
Garage Area	1 sqft
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	91 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	3979 RUTH LN
City	CINCINNATI
State	OH
Zip	45211-3307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	RUTH LN FT IR PT LT 11 LT 12 PHILIP RUEBELS SUB PRS 350-454 CONS
Legal Subdivision	PHILIP RUEBELS SUB
Legal Lot Number	11,12
Jurisdiction	HAMILTON OH
Township / Civil Division	CHEVIOT
Census Block Group	1
Census Block	1008
Census Tract	20901

Owner

Source: Hamilton County records, as of January 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3979 RUTH LN, CINCINNATI, OH 45211-3307
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2025	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
Dec 3, 2020	Warranty Deed, Transfer · FHA Mortgage BAYSHORE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 3, 2020 · Amount on Record
Deed Sale	Dec 3, 2020 · Amount on Record
Prior Sale	Jan 18, 2005 · Amount on Record
Deed Document Number	2020126974
Deed Book / Page	14307 / 2821
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	3979 RUTH LN, CINCINNATI, OH 45211-3307
Transaction Type	Mortgage
Record Updated	Jan 22, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3979 RUTH LN, CHEVIOT, OH 45211-3307

Mortgage

Document Number	0000095000
Date	Dec 5, 2025
Book Page	15556/644
Instrument	2025-0095000

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Dec 1, 2050

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Dec 3, 2020
Property Address	3979 RUTH LN, CINCINNATI, OH 45211-3307
Document Number	0000126974
Book / Page	14307 / 2821
Map Reference	MB 36 PG 11
Instrument Date	Nov 10, 2020
Instrument	2020-0126974
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$560.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3979 RUTH LN, CHEVIOT, OH 45211-3307

Mortgage

Document Number	0000126975
Date	Dec 3, 2020
Instrument	2020-0126975

Lender

Name	BAYSHORE MORTGAGE FUNDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2050

Mortgage

Document Number	0000126976
Date	Dec 3, 2020
Book Page	14307/2838
Instrument	2020-0126976

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$3,055.00 (+2.93%)	$49,035 (-) Land $8,190 Building $40,845	$140,100 (-) Land $23,400 Building $116,700
2024	$2,968.00 (-2.05%)	$49,035 (-) Land $8,190 Building $40,845
2023	$3,030.00 (+27.04%)	$49,035 (+46.78%) Land $8,190 Building $40,845	$140,100 (+46.78%) Land $23,400 Building $116,700
2022	$2,385.00 Homeowner's exemption	$33,408 Land $9,492 Building $23,916
2020			$95,450 Land $27,120 Building $68,330

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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