520 Ruth St, Geneva, OH 44041 Property Records

Ashtabula County property record for 520 Ruth St, Geneva, OH 44041

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,987 sqft · built 1996
Lot Size	0.512 acres (22,303 sqft)
Owner	2 Individual Names on File
Last Sale	$159,900 (Mar 2006)
Tax Bill	$6,904 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Jul 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-035-00-005-00`

Property Details

APN / Parcel Number

Primary APN	`20-035-00-005-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,987 sqft Living Area
Gross Area	2,688 sqft
1st Floor Area	1,241 sqft
Upper Floors Area	621 sqft
Basement Area	125 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Aluminum/Vinyl
Lot Area	22,303 sqft (0.512 acres)
View / Lot	Neighborhood / Spot
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	42 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas
Sewer	Septic
Water Source	Commercial

Location & Zoning

Street Address	520 RUTH ST
City	GENEVA
State	OH
Zip	44041-1568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 CHESTNUT RIDGESUB
Legal Subdivision	CHESTNUT RIDGE SUB
Legal Lot Number	5
Jurisdiction	ASHTABULA OH
Township / Civil Division	GENEVA
Census Block Group	4
Census Block	4005
Census Tract	900

Owner

520 Ruth St is owned and occupied by two individuals who bought it in March 2006.

Source: Ashtabula County records, as of May 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	520 RUTH ST, GENEVA, OH 44041-1568
Occupancy	Owner Occupied
Owner Type	Individual

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
Nov 12, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jul 2, 2021	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 16, 2006 · Amount on File
Deed Sale	Mar 16, 2006 · Amount on File
Prior Sale	Mar 29, 1996 · Amount on File
Deed Document Number	20063853
Deed Book / Page	367 / 2539
Record Updated	Oct 29, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	520 RUTH ST, GENEVA, OH 44041-1568
Transaction Type	Mortgage
Record Updated	Nov 21, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 RUTH ST, GENEVA, OH 44041-1568

Mortgage

Document Number	0000011047
Date	Nov 12, 2025
Book Page	857/2156
Instrument	2025-00011047

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 31, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ASHTABULA OH
Property Address	520 RUTH ST, GENEVA, OH 44041-1568
Transaction Type	Mortgage
Record Updated	Dec 23, 2021
Title Company	THIRD CAPITAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008036
Date	Jul 2, 2021
Book Page	743/1863
Instrument	202100008036

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Bank
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2031

Tax Assessment & Valuation

The 2025 property tax bill for 520 Ruth St was $6,904.

Source: Ashtabula County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ashtabula County
County Subdivision	Geneva Township
Municipality	Geneva City
Unified School District	Geneva Area City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,904.00	$84,640 Land $12,080 Building $72,560	$241,800 Land $34,500 Building $207,300
2023	$4,084.00 (+27.63%) Homeowner's exemption	$84,640 (+3%) Land $12,080 Building $72,560	$241,800 Land $34,500 Building $207,300
2022	$3,200.00 Homeowner's exemption	$65,110 Land $9,280 Building $55,830
2020			$186,000 Land $26,500 Building $159,500

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 520 Ruth St in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1979.

Source: FEMA National Flood Hazard Layer, effective August 28, 2019 · 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	4 (1979–2011)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Aug 2011 · rainfall accumulation

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

Wildfire risk around 520 Ruth St is low, with a 0.01% annual chance of 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	Direct burnable vegetation

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	GENEVA CITY PWS serves 5,924 people · EPA ID OH0401712
Water Source	Purchased surface water from several systems
Last State Inspection	Oct 2025
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	3 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 362 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: GreatWave Communications.

Nearby Properties on Ruth St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures