5512 Ruddy Ct, Cincinnati, OH 45239 Property Records

Hamilton County property record for 5512 Ruddy Ct, Cincinnati, OH 45239

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,540 sqft · built 1959
Lot Size	0.241 acres (10,498 sqft)
Owner	Individual Name on File
Last Sale	$68,000 (Jan 2015)
Tax Bill	$4,541 (2025)
Deeds & Mortgages	Feb 2021 Mortgage May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`231-0003-0251-00`

Property Details

APN / Parcel Number

Primary APN	`231-0003-0251-00`
Alternative APN	`200981613`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,540 sqft Living Area
Gross Area	3,922 sqft
1st Floor Area	1,730 sqft
Basement Area	1,730 sqft
Finished Basement	810 sqft
Unfinished Basement	920 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Architectural Style	Conventional
Exterior Material	Brick
Construction Type	Brick
Roof Material	Asphalt
Lot Area	10,498 sqft (0.241 acres)
Lot Dimensions	140 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Frame Porch
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	5512 RUDDY CT
City	CINCINNATI
State	OH
Zip	45239-7298
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF10
Legal Description	RUDDY CT 75 X 140 LOT 77 MT AIRY NORTHVIEW
Legal Subdivision	MT AIRY NORTHVIEW
Legal Block	B
Legal Lot Number	77
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	2
Census Block	2009
Census Tract	8300

Owner

5512 Ruddy Ct is owned and occupied by an individual who bought it in January 2015.

Source: Hamilton County records, as of January 21, 2026

Owner of Record	Individual Name on File
Mailing Address	5512 RUDDY CT, CINCINNATI, OH 45239-7298
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
Feb 17, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
May 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK FSB
Dec 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUARDIAN SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 14, 2015 · Amount on File
Deed Sale	Jan 14, 2015 · Amount on File
Prior Sale	Sep 16, 1998 · Amount on File
Deed Document Number	20154103
Deed Book / Page	12797 / 34
Prior Transfer Date	Nov 26, 2014
Prior Transfer Doc	0000000102
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5512 RUDDY CT, CINCINNATI, OH 45239-7298
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000020384
Date	Feb 17, 2021
Book Page	14356/2474
Instrument	2021-0020384

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2041

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5512 RUDDY CT, CINCINNATI, OH 45239-7298
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055925
Date	May 5, 2021
Book Page	14411/1616
Instrument	2021-0055925

Lender

Name	GUARDIAN SAVINGS BANK FSB
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	238 Months
Due	Mar 1, 2041

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	5512 RUDDY CT, CINCINNATI, OH 45239-7298
Transaction Type	Mortgage
Record Updated	Apr 10, 2026
Title Company	PROMINENT TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000149716
Date	Dec 14, 2021
Book Page	14563/2329
Instrument	2021-0149716

Lender

Name	GUARDIAN SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45239

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jan 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 5512 Ruddy Ct was $4,541, up 0.1% 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	$4,541.00 (+0.13%)	$71,407 (-) Land $11,102 Building $60,305	$204,020 Land $31,720 Building $172,300
2024	$4,535.00 (-0.18%)	$71,407 (-) Land $11,102 Building $60,305
2023	$4,543.00 (+74.87%)	$71,407 (+95.16%) Land $11,102 Building $60,305	$204,020 Land $31,720 Building $172,300
2022	$2,598.00	$36,589 Land $9,156 Building $27,433
2020			$104,540 Land $26,160 Building $78,380

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5512 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 5512 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	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	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 610 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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