Miami County property record for 108 N Ludlow St, Covington, OH 45318 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,152 sqft · built 1949 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,591 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Sep 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-009300 |
| Primary APN | H19-009300 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| 1st Floor Area | 2,304 sqft |
| Basement Area | 1,152 sqft |
| Unfinished Basement | 1,152 sqft |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1949 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Basement |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Patio Area | 200 sqft |
| Canopy | 200 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 108 N LUDLOW ST |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1726 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 883 25 IN LOT 882 25 |
| Legal Lot Number | 883 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2026 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-009300
Assessment roll updated March 6, 2026 · Last verified April 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 19, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC |
| Sep 24, 2024 | Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDITUNION INC |
| Nov 09, 2021 | Warranty Deed, Transfer · Line of Credit THE TWIN VALLEY BANK |
| Apr 19, 2021 | Affidavit of Death of Joint Tenant, Transfer |
| Nov 29, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 29, 2017 |
| Deed Sale | Nov 29, 2017 |
| Prior Sale | Aug 16, 2004 · Amount on Record |
| Deed Document Number | 2017OR-14797 |
| Prior Transfer Date | Nov 20, 2017 |
| Prior Transfer Doc | 0000014796 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000015231 |
|---|---|
| Date | Oct 19, 2022 |
| Instrument | 2022OR-15231 |
| Name | WRIGHT-PATT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45431 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000009726 |
|---|---|
| Date | Sep 24, 2024 |
| Instrument | 2024OR-09726 |
| Name | WRIGHT-PATT CREDITUNION INC |
|---|---|
| Address | PO BOX 340134, BEAVERCREEK, OH 45434 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Sep 25, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Nov 09, 2021 |
| Property Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Document Number | 0000019513 |
| Instrument Date | Nov 04, 2021 |
| Instrument | 2021OR-19513 |
| Transaction Type | Transfer |
| Record Updated | Dec 15, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Document Number | 0000019514 |
|---|---|
| Date | Nov 09, 2021 |
| Instrument | 2021OR-19514 |
| Name | THE TWIN VALLEY BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Nov 05, 2046 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 19, 2021 |
| Property Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Document Number | 0000006702 |
| Instrument Date | Apr 02, 2021 |
| Instrument | 2021OR-06702 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Nov 29, 2017 |
| Property Address | 108 N LUDLOW ST, COVINGTON, OH 45318-1726 |
| Document Number | 0000014796 |
| Instrument Date | Nov 20, 2017 |
| Instrument | 14796 |
| Transaction Type | Transfer |
| Record Updated | Jan 03, 2018 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 N LUDLOW ST COVINGTON OH 453181726, COVINGTON, OH 45318-1726 |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified April 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,591.00 (+11.26%) Homeowner's exemption | $48,760 (+27.68%) Land $8,230 Building $40,530 | $139,300 (+27.68%) Land $23,500 Building $115,800 |
| 2024 | $1,430.00 (+3.85%) Homeowner's exemption | $38,190 (-) Land $8,930 Building $29,260 | |
| 2023 | $1,377.00 (-3.44%) Homeowner's exemption | $38,190 (-) Land $8,930 Building $29,260 | $109,100 (-) Land $25,500 Building $83,600 |
| 2022 | $1,426.00 Homeowner's exemption | $38,190 Land $8,930 Building $29,260 | $109,100 Land $25,500 Building $83,600 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093250002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 5 (1978–2017) |
| Claims Outside the SFHA | 4 of 5 |
| Most Recent Claim | Nov 2017, other causes |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 202 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Uniti Group | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Benton Ridge Telephone Company | Fixed Wireless (licensed-by-rule) | 400 / 40 |
| Verizon | Fixed Wireless | 300 / 20 |
May also be available at this address: Uniti Group, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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