720 Ruth Ave, Lima, OH 45801 Property Records

Allen County property record for 720 Ruth Ave, Lima, OH 45801

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,056 sqft · built 1940
Lot Size	0.236 acres (10,280 sqft)
Owner	2 Individual Names on File
Last Sale	$26,800 (Jan 2022)
Tax Bill	$766 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Dec 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`36-2412-14-019.000`

Property Details

APN / Parcel Number

Primary APN	`36-2412-14-019.000`
Alternative APN	`M3736241214019000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
Gross Area	1,080 sqft
1st Floor Area	1,056 sqft

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1972
Architectural Style	Conventional
Exterior Material	Wood
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	10,280 sqft (0.236 acres)
Lot Dimensions	87 ft deep x 118 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Frame Porch
Porch Area	49 sqft
Canopy	25 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Central
Heating Fuel	Gas
Sewer	Storm Sewer
Water Source	Commercial

Location & Zoning

Street Address	720 RUTH AVE
City	LIMA
State	OH
Zip	45801-2749
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WAR GARDENS PT 11708 & PT 11709 JOINT TEN FF 118.00
Legal Subdivision	WAR GARDENS
Legal Lot Number	11708
Jurisdiction	ALLEN OH
Township / Civil Division	LIMA
Census Block Group	2
Census Block	2012
Census Tract	12200

Owner

Source: Allen County assessment roll, as of May 21, 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 File
Mailing Address	720 RUTH AVE, LIMA, OH 45801-2749
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 6, 2023	Deed of Trust, Mortgage · Conventional Mortgage RUOFF MORTGAGE COMPANY INC
Jan 18, 2022	Warranty Deed, Transfer
Feb 4, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 18, 2022 · Amount on Record
Deed Sale	Jan 18, 2022 · Amount on Record
Prior Sale	Feb 4, 2019 · Amount on Record
Deed Document Number	2022644
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	720 RUTH AVE, LIMA, OH 45801-2749
Transaction Type	Mortgage
Record Updated	Feb 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 RUTH AVE, LIMA, OH 45801-2749

Mortgage

Document Number	2180001586
Date	Feb 18, 2026
Book Page	2026/1586
Instrument	202602180001586

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ALLEN OH
Property Address	720 RUTH AVE, LIMA, OH 45801-2749
Transaction Type	Mortgage
Record Updated	Dec 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 RUTH AVE, LIMA, OH 45801-2749

Mortgage

Document Number	12060010639
Date	Dec 6, 2023
Book Page	2023/10639
Instrument	202312060010639

Lender

Name	RUOFF MORTGAGE COMPANY INC
Type	Mortgage Company
Address	FORT WAYNE, IN 46804

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Jan 18, 2022
Property Address	720 RUTH AVE, LIMA, OH 45801-2749
Document Number	1180000644
Book / Page	2022 / 644
Map Reference	MB 3 PG 316
Instrument Date	Jan 14, 2022
Instrument	202201180000644
Transaction Type	Transfer
Record Updated	Jan 28, 2022

Transaction

Amount	Amount Recorded
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
Address	910 N JEFFERSON ST, DELPHOS, OH 45833-1064

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ALLEN OH
Recording Date	Feb 4, 2019
Property Address	720 RUTH AVE, LIMA, OH 45801-2749
Document Number	0000000939
Instrument Date	Jan 28, 2019
Instrument	939
Transaction Type	Transfer
Record Updated	Feb 12, 2019

Transaction

Amount	Amount Recorded
Tax	$60.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 S CENTRAL AVE LIMA OH 458041306, LIMA, OH 45804-1306

Tax Assessment & Valuation

Source: Allen County assessment roll, as of May 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Allen County
Municipality	Lima City
Unified School District	Elida Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$766.00 (-1.03%)	$18,140 (-) Land $6,900 Building $11,240	$51,800 (-) Land $19,700 Building $32,100
2024	$774.00 (+19.63%) Homeowner's exemption	$18,140 (+35.98%) Land $6,900 Building $11,240	$51,800 (+35.96%) Land $19,700 Building $32,100
2023	$647.00 (-17.16%) Homeowner's exemption	$13,340 (-) Land $5,080 Building $8,260
2022	$781.00	$13,340 Land $5,080 Building $8,260
2021			$38,100 Land $14,500 Building $23,600

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 June 20, 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 94% of the US · lower than 71% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LIMA CITY serves 65,619 people · EPA ID OH0200811
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Treatment failure resolved · May 2026 Total trihalomethanes resolved · Apr 2024 Turbidity resolved · Dec 2016
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 465 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Brightspeed Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Defiance Holdings.

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