5407 Ruddy Ct, Cincinnati, OH 45239 Property Records

Hamilton County property record for 5407 Ruddy Ct, Cincinnati, OH 45239

Property Summary

Property Type	Multi-Family Dwellings
Details	4 bd · 2 ba · 2,200 sqft · built 1959
Lot Size	0.288 acres (12,545 sqft)
Owner	Individual Name on File
Last Sale	$125,000 (May 2009)
Tax Bill	$3,390 (2025)
Deeds & Mortgages	Aug 2021 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`231-0005-0162-00`

Property Details

APN / Parcel Number

Primary APN	`231-0005-0162-00`
Alternative APN	`0011251`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,200 sqft Living Area
Gross Area	3,280 sqft
1st Floor Area	1,080 sqft
2nd Floor Area	1,120 sqft
Basement Area	1,080 sqft

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	12,545 sqft (0.288 acres)
Lot Dimensions	185 ft deep x 32 ft wide
Garage Type	Basement
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5407 RUDDY CT
City	CINCINNATI
State	OH
Zip	45239-7232
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	SF6
Legal Description	RUDDY CT 32.16 X 185.43 IRR LOT 55MT AIRY NORTHVIEW SUB BLK C
Legal Subdivision	MT AIRY NORTHVIEW SUB
Legal Block	C
Legal Lot Number	55
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2009
Census Tract	8300

Owner

5407 Ruddy Ct, a residential property, is owned and occupied by an individual who bought it in May 2009.

Source: Hamilton County records, as of August 31, 2026

Owner of Record	Individual Name on File
Mailing Address	5407 RUDDY CT, CINCINNATI, OH 45239-7232
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
Aug 12, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MTG
Mar 1, 2012	Loan Modification, Mortgage · Conventional with PMI BANK OF AMERICA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2009 · Amount on File
Deed Sale	May 22, 2009 · Amount on File
Deed Document Number	200968779
Deed Book / Page	11147 / 1484
Prior Transfer Date	Jul 31, 1996
Prior Transfer Doc	0000121314
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5407 RUDDY CT, CINCINNATI, OH 45239-7232
Transaction Type	Mortgage
Record Updated	Mar 29, 2024
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000097534
Date	Aug 12, 2021
Book Page	14479/1492
Instrument	2021-0097534

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	345 Months
Due	May 1, 2050

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5407 RUDDY CT, CINCINNATI, OH 45239-7232
Document Number	0000038812
Instrument Date	Apr 20, 2020
Transaction Type	Mortgage
Record Updated	May 28, 2020
Title Company	INSPIRE CLOSING SERVICES LLC, INSPIRE CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5407 RUDDY CT CINCINNATI OH 452397232, CINCINNATI, OH 45239-7232

Mortgage

Document Number	0000038812
Date	Apr 28, 2020
Book Page	014156/000695
Instrument	38812

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 27, 2050

March 2012: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	HAMILTON OH
Property Address	5407 RUDDY CT, CINCINNATI, OH 45239-7232
Document Number	0000016323
Instrument Date	Mar 1, 2012
Transaction Type	Mortgage
Record Updated	Aug 21, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5407 RUDDY CT CINCINNATI OH 452397232, CINCINNATI, OH 45239-7232

Mortgage

Document Number	0000016323
Date	Feb 22, 2017
Book Page	013359/000066
Instrument	16323

Lender

Name	BANK OF AMERICA
Type	Bank
Address	BROOMFIELD, CO 80021

Agreement

Type	Conventional with PMI
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 5407 Ruddy Ct was $3,390, down 1.6% from the year before.

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,390.00 (-1.57%)	$56,235 (-) Land $9,940 Building $46,295	$160,670 Land $28,400 Building $132,270
2024	$3,444.00 (-9.39%)	$56,235 (-8.15%) Land $9,940 Building $46,295
2023	$3,801.00 (+45.3%)	$61,226 (+61.78%) Land $9,940 Building $51,286	$160,670 Land $28,400 Building $132,270
2022	$2,616.00 Homeowner's exemption	$37,846 Land $8,243 Building $29,603
2020			$108,130 Land $23,550 Building $84,580

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 5407 Ruddy Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5407 Ruddy Ct is low, with less than 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 400 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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