Greene County property record for 1148 Ludlow Rd, Xenia, OH 45385
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,400 sqft · built 1980 |
| Lot Size | 6.5 acres (283,488 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $8,970 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Feb 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | B032041046 |
| Primary APN | B032041046 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 3,400 sqft Living Area |
| 1st Floor Area | 1,887 sqft |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Colonial |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 283,488 sqft (6.5 acres) |
| Garage Type | Detached |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Electric |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 1148 LUDLOW RD |
|---|---|
| City | XENIA |
| State | OH |
| Zip | 45385-9510 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 7-3-10 1148 LUDLOW RD |
| Legal Subdivision | LUDLOW |
| Jurisdiction | GREENE OH |
| Township / Civil Division | BEAVERCREEK |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 210603 |
1148 Ludlow Rd is owned and occupied by two individuals who acquired it in November 2020.
Source: Greene County records, as of July 21, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| 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.
| Date | Document |
|---|---|
| Apr 5, 2022 | Deed of Trust, Mortgage · Line of Credit DAY AIR CREDIT UNION INC |
| Feb 8, 2022 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 18, 2020 | Warranty Deed, Transfer · VA Mortgage USAA FSB |
| Oct 6, 2020 | Deed of Trust, Mortgage · VA Mortgage USAA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 18, 2020 |
| Deed Sale | Nov 18, 2020 |
| Deed Document Number | 202023879 |
| Prior Transfer Date | Jun 27, 2020 |
| Prior Transfer Doc | 0000011896 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Document Number | 0000006703 |
|---|---|
| Date | Apr 5, 2022 |
| Instrument | 2022006703 |
| Name | DAY AIR CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | DAYTON, OH 45429 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0000002396 |
|---|---|
| Date | Feb 8, 2022 |
| Instrument | 2022002396 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | GREENE OH |
| Recording Date | Nov 18, 2020 |
| Property Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Document Number | 0000023879 |
| Map Reference | VOL 528 PG 230 |
| Instrument Date | Oct 6, 2020 |
| Instrument | 2020023879 |
| Transaction Type | Transfer |
| Record Updated | Apr 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Document Number | 0000023880 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 2020023880 |
| Name | USAA FSB |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | GREENE OH |
| Property Address | 1148 LUDLOW RD, XENIA, OH 45385-9510 |
| Document Number | 0000023880 |
| Instrument Date | Oct 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Dec 11, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 1148 LUDLOW RD XENIA OH 453859510, XENIA, OH 45385-9510 |
| Document Number | 0000023880 |
|---|---|
| Date | Nov 18, 2020 |
| Instrument | 23880 |
| Name | USAA |
|---|---|
| Address | SAN ANTONIO, TX 78288-0544 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 17, 2050 |
The 2025 property tax bill for 1148 Ludlow Rd was $8,970, down 2.2% from the year before.
Source: Greene County assessment roll, as of March 13, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Greene County |
| County Subdivision | Beavercreek Township |
| Unified School District | Beavercreek City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $8,970.00 (-2.19%) | $162,420 (-) Land $52,820 Building $109,600 | |
| 2024 | $9,171.00 (-0.61%) | $162,420 (-) Land $52,820 Building $109,600 | |
| 2023 | $9,227.00 (+18.26%) | $162,420 (+35.52%) Land $52,820 Building $109,600 | $464,050 Land $150,900 Building $313,150 |
| 2022 | $7,802.00 | $119,850 Land $44,010 Building $75,840 | |
| 2020 | $342,430 Land $125,750 Building $216,680 |
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.
FEMA maps place 1148 Ludlow Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective March 28, 2023 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 12 policies |
| Nearby Flood Policies | 12 in force |
| Nearby Flood Claims | 1 (2011) |
| Claims Outside the SFHA | 1 of 1 |
| Most Recent Claim | Apr 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 risk around 1148 Ludlow Rd 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | GREENE CO.-NORTHWEST REG WATER serves 41,895 people · EPA ID OH2903512 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2023 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| altafiber Network Solutions Fiber | 2,000 / 2,000 |
| Starlink Satellite | 280 / 30 |
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