1310 Ludlow Rd, Xenia, OH 45385 Property Records

Greene County property record for 1310 Ludlow Rd, Xenia, OH 45385

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,622 sqft · built 1996
Lot Size	7.94 acres (346,128 sqft)
Owner	Individual Name on Record
Last Sale	$421,900 (Aug 2005)
Tax Bill	$10,666 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`B032041059`

Property Details

APN / Parcel Number

Primary APN	`B032041059`
Alternative APN	`B03-0002-0041.0-0059.00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,622 sqft Living Area
1st Floor Area	1,497 sqft
Basement Area	674 sqft
Finished Basement	674 sqft
Family Room	Family Room

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Colonial
Exterior Material	Wood
Construction Type	Frame
Lot Area	346,128 sqft (7.94 acres)
Garage Type	Detached
Garage Area	600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Electric
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1310 LUDLOW RD
City	XENIA
State	OH
Zip	45385-8589
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	7-3-10 7.946AC 1310 LUDLOW RD
Legal Subdivision	LUDLOW
Jurisdiction	GREENE OH
Township / Civil Division	BEAVERCREEK
Census Block Group	2
Census Block	2001
Census Tract	210603

Owner

Source: Greene County records, as of July 21, 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 Record
Mailing Address	1310 LUDLOW RD, XENIA, OH 45385-8589
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2023	Deed of Trust, Mortgage · Line of Credit UNION SAVINGS BANK
Jan 3, 2022	Deed of Trust, Mortgage · Conventional Mortgage UNION SAVINGS BANK
Oct 17, 2019	Deed of Trust, Mortgage · Conventional Mortgage UNION SVGS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2005 · Amount on Record
Deed Sale	Aug 31, 2005 · Amount on Record
Prior Sale	Dec 4, 2000 · Amount on Record
Deed Document Number	200522490
Deed Book / Page	2467 / 461
Last Transfer Date	Apr 24, 2007
Transfer Doc	0026960397
Record Updated	Oct 29, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	1310 LUDLOW RD, XENIA, OH 45385-8589
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1310 LUDLOW RD, XENIA, OH 45385-8589

Mortgage

Document Number	0000014036
Date	Oct 11, 2023
Instrument	2023014036

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Sep 28, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	1310 LUDLOW RD, XENIA, OH 45385-8589
Transaction Type	Mortgage
Record Updated	Jan 24, 2022
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000018
Date	Jan 3, 2022
Instrument	2022000018

Lender

Name	UNION SAVINGS BANK
Type	Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2037

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	GREENE OH
Property Address	1310 LUDLOW RD, XENIA, OH 45385-8589
Document Number	0000018661
Instrument Date	Oct 17, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	LANDMARK TITLE, LANDMARK TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1310 LUDLOW RD XENIA OH 453858589, XENIA, OH 45385-8589

Mortgage

Document Number	0000018661
Date	Nov 7, 2019
Instrument	18661

Lender

Name	UNION SVGS
Type	Federal Savings Bank
Address	CINCINNATI, OH 45249

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 6, 2034

Tax Assessment & Valuation

Source: Greene County assessment roll, as of March 13, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Greene County
County Subdivision	Beavercreek Township
Unified School District	Beavercreek City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,666.00 (-2.19%)	$193,080 (-) Land $60,210 Building $132,870
2024	$10,905.00 (-0.6%)	$193,080 (-) Land $60,210 Building $132,870
2023	$10,971.00 (+15.65%)	$193,080 (+32.52%) Land $60,210 Building $132,870	$551,650 (+32.51%) Land $172,020 Building $379,630
2022	$9,486.00	$145,700 Land $50,170 Building $95,530
2020			$416,300 Land $143,350 Building $272,950

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 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 Record 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

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Metronet, Verizon.

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