422 Ruff Dr, Lancaster, OH 43130 Property Records

Fairfield County property record for 422 Ruff Dr, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 864 sqft · built 1979
Lot Size	0.207 acres (9,017 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,109 (2024)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`05-36289-700`

Property Details

APN / Parcel Number

Primary APN	`05-36289-700`
Alternative APN	`0622 01049`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Gross Area	1,152 sqft
1st Floor Area	864 sqft
Game Room	Game Room

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,017 sqft (0.207 acres)
Lot Dimensions	127 ft deep x 71 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Patio Area	30 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	422 RUFF DR
City	LANCASTER
State	OH
Zip	43130-4175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTER TRACE ESTATES PART III LOT 168
Legal Subdivision	HUNTER TRACE ESTATES
Legal Lot Number	168
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	4
Census Block	4014
Census Tract	31600

Owner

Source: Fairfield County assessment roll, 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 Individual Names on File
Mailing Address	422 RUFF DR, LANCASTER, OH 43130-4175
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Warranty Deed, Transfer · VA Mortgage KIND LENDING LLC
Jun 30, 2020	Warranty Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 25, 2021
Deed Sale	Oct 25, 2021
Prior Sale	Jun 30, 2020 · Amount on Record
Deed Document Number	202128031
Prior Transfer Date	Jun 16, 2020
Prior Transfer Doc	0000013117
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Oct 25, 2021
Property Address	422 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000028031
Map Reference	CAB 1 SL 12
Instrument Date	Oct 6, 2021
Instrument	202100028031
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	TITLE FIRST, TITLE FIRST AGENCY INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4 HUTTON CENTRE DR STE 100, 100, SANTA ANA, CA 92707-8707

Mortgage

Document Number	0000028032
Date	Oct 25, 2021
Instrument	202100028032

Lender

Name	KIND LENDING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Jun 30, 2020
Property Address	422 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000013117
Book / Page	001828 / 001199
Instrument Date	Jun 16, 2020
Instrument	13117
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	BOSTON NATIONAL TITLE AGENCY, BOSTON NAT'L TITLE AGCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$520.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	422 RUFF DR LANCASTER OH 431304175, LANCASTER, OH 43130-4175

Mortgage

Document Number	13118
Date	Jun 30, 2020
Book Page	001828/001201
Instrument	13118

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2050

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of February 9, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Fairfield County
Municipality	Lancaster City
Unified School District	Lancaster City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$68,430 (+49.7%) Land $21,600 Building $46,830	$195,510 (+49.7%) Land $61,720 Building $133,790
2024	$4,109.00 (+147.23%)
2023	$1,662.00	$45,710 (-) Land $11,290 Building $34,420
2022		$45,710 Land $11,290 Building $34,420	$130,600 Land $32,250 Building $98,350

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 11, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	1 (2005)
Most Recent Claim	Jan 2005 · Severe Winter Storms, Flooding, And Mudslides

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LANCASTER CITY PWS serves 40,400 people · EPA ID OH2301012
Water Source	Groundwater
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 274 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 35
T-Mobile USA Fixed Wireless	100 / 20

May also be available: The Chillicothe Telephone Co, Verizon.

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