426 Ruff Dr, Lancaster, OH 43130 Property Records

Fairfield County property record for 426 Ruff Dr, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1979
Lot Size	0.254 acres (11,099 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jun 2019)
Tax Bill	$1,941 (2023)
Deeds & Mortgages	May 2024 Mortgage Apr 2017 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`053-62898.00`

Property Details

APN / Parcel Number

Primary APN	`053-62898.00`
Alternative APN	`0622 01050`

Interior

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

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,099 sqft (0.254 acres)
Lot Dimensions	148 ft deep x 75 ft wide
Terrain	Rolling
Patio Area	48 sqft
Poultry House	28 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Oil
Heating Fuel	Electric

Location & Zoning

Account Number	0622 01050
Street Address	426 RUFF DR
City	LANCASTER
State	OH
Zip	43130-4175
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HUNTER TRACE ESTATES PT III LOT 169
Legal Subdivision	HUNTER TRACE ESTATES
Legal Lot Number	169
Jurisdiction	FAIRFIELD OH
Township / Civil Division	LANCASTER CITY
Census Block Group	4
Census Block	4014
Census Tract	31600

Owner

Source: Fairfield County records, as of March 11, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	426 RUFF DR, LANCASTER, OH 43130-4175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 1, 2024	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 10, 2017	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Feb 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jun 20, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
May 10, 2018	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2019 · Amount on Record
Deed Sale	Jun 20, 2019 · Amount on Record
Prior Sale	Nov 28, 2005 · Amount on Record
Deed Document Number	201900010007
Deed Book / Page	1793 / 3833
Record Updated	Jun 8, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	426 RUFF DR, LANCASTER, OH 43130-4175
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 RUFF DR, LANCASTER, OH 43130-4175

Mortgage

Document Number	0000006394
Date	May 1, 2024
Instrument	202400006394

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	1050 WOODWARD AVE, DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2054

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	426 RUFF DR, LANCASTER, OH 43130-4175
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006026
Date	Apr 10, 2017
Book Page	1735/0830
Instrument	201700006026

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2032

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	426 RUFF DR, LANCASTER, OH 43130-4175
Transaction Type	Mortgage
Record Updated	Oct 26, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003419
Date	Feb 5, 2021
Instrument	202100003419

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Jun 20, 2019
Property Address	426 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000010007
Book / Page	001793 / 003833
Instrument Date	Jun 18, 2019
Instrument	10007
Transaction Type	Transfer
Record Updated	Jun 28, 2019
Title Company	PALMER LAND TITLE AGENCY BOX, VALMER LAND TITLE AGCY BOX

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 RUFF DR LANCASTER OH 431304175, LANCASTER, OH 43130-4175

Mortgage

Document Number	10008
Date	Jun 20, 2019
Book Page	001793/003836
Instrument	10008

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 19, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	426 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000008486
Instrument Date	May 10, 2018
Transaction Type	Mortgage
Record Updated	Jun 4, 2018
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 RUFF DR LANCASTER OH 431304175, LANCASTER, OH 43130-4175

Mortgage

Document Number	0000008486
Date	May 21, 2018
Book Page	001765/002463
Instrument	8486

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 20, 2048

Tax Assessment & Valuation

Source: Fairfield County assessment roll, as of March 1, 2025

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		$73,850 (+38.3%) Land $23,730 Building $50,120	$211,000 (+38.28%) Land $67,790 Building $143,210
2023	$1,941.00 Homeowner's exemption	$53,400 (-) Land $12,730 Building $40,670
2022	Homeowner's exemption	$53,400 Land $12,730 Building $40,670	$152,590 Land $36,380 Building $116,210

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

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	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 Fixed Wireless	100 / 20

May also be available: Glo Fiber, Verizon.

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