434 Ruff Dr, Lancaster, OH 43130 Property Records

Fairfield County property record for 434 Ruff Dr, Lancaster, OH 43130

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,680 sqft · built 1979
Lot Size	0.275 acres (11,992 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Nov 2020)
Tax Bill	$7,512 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Jul 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`05-36289-900`

Property Details

APN / Parcel Number

Primary APN	`05-36289-900`
Alternative APN	`0622 01051`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	816 sqft
Basement Area	864 sqft
Finished Basement	864 sqft

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Architectural Style	Raised Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	11,992 sqft (0.275 acres)
Lot Dimensions	179 ft deep x 67 ft wide
Terrain	Rolling
Garage Type	Attached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Deck Area	252 sqft
Patio Area	606 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	434 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 170
Legal Subdivision	HUNTER TRACE ESTATES
Legal Lot Number	170
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 August 12, 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	434 RUFF DR, LANCASTER, OH 43130-4175
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jul 30, 2021	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS LLC
Nov 4, 2020	Survivorship Deed, Transfer · FHA Mortgage QUICKEN LOANS LLC
Aug 13, 2019	Warranty Deed, Transfer PALMER LAND TITLE AGENCY BOX, VALMER LAND TITLE AGCY BOX
Jun 5, 2019	Grant Deed, Foreclosure SERVICELINK
Mar 25, 2019	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 4, 2020 · Amount on Record
Deed Sale	Nov 4, 2020 · Amount on Record
Prior Sale	Mar 25, 2019 · Amount on Record
Deed Document Number	202025088
Deed Book / Page	1844 / 415
Prior Transfer Date	Jul 3, 2007
Prior Transfer Doc	0000014619
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Recording Date	Aug 5, 2026
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000013657
Instrument Date	Jul 31, 2026
Instrument	202613657
Transaction Type	Mortgage
Record Updated	Aug 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	434 RUFF DR, LANCASTER, OH 43130-4175

Mortgage

Document Number	0000013657,
Date	Aug 5, 2026
Instrument	202613657

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	FAIRFIELD OH
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Transaction Type	Mortgage
Record Updated	Sep 16, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019857
Date	Jul 30, 2021
Instrument	202100019857

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

November 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Nov 4, 2020
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000025088
Book / Page	1844 / 415
Map Reference	CAB 1 SL 12
Instrument Date	Oct 27, 2020
Instrument	202000025088
Transaction Type	Transfer
Record Updated	Sep 16, 2021
Title Company	VALMER LAND TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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

Mortgage

Document Number	0000025089
Date	Nov 4, 2020
Instrument	202000025089

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Aug 13, 2019
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000013883
Book / Page	001798 / 003248
Instrument Date	Aug 7, 2019
Instrument	13883
Transaction Type	Transfer
Record Updated	Aug 19, 2019
Title Company	PALMER LAND TITLE AGENCY BOX, VALMER LAND TITLE AGCY BOX

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	318 N SARWIL DR CANAL WINCHESTER OH 431101053, CANAL WINCHESTER, OH 43110-1053

June 2019: Grant Deed, Foreclosure

Document Type	Grant Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Jun 5, 2019
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000009006
Book / Page	001792 / 002849
Instrument Date	Apr 25, 2019
Instrument	9006
Transaction Type	Foreclosure
Record Updated	Jun 14, 2019
Title Company	SERVICELINK

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Investor	Possibly a Property Investor

March 2019: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	FAIRFIELD OH
Recording Date	Mar 25, 2019
Property Address	434 RUFF DR, LANCASTER, OH 43130-4175
Document Number	0000004337
Book / Page	001787 / 001668
Instrument Date	Mar 15, 2019
Instrument	4337
Transaction Type	Foreclosure
Record Updated	Apr 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$288.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	434 RUFF DR LANCASTER OH 431304175, LANCASTER, OH 43130-4175
Investor	Possibly a Property Investor

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	$7,512.00 (+293.5%)	$83,560 (+59.16%) Land $23,520 Building $60,040	$238,730 (+59.15%) Land $67,200 Building $171,530
2023	$1,909.00	$52,500 (-) Land $11,620 Building $40,880
2022		$52,500 Land $11,620 Building $40,880	$150,000 Land $33,210 Building $116,790

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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