134 S Ludlow St, Covington, OH 45318 Property Records

Miami County property record for 134 S Ludlow St, Covington, OH 45318 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	3 Baths
Year Built	Built 1997
Square Footage	1,972 sqft Living Area
Lot Size	17,903 sqft (0.411 acres)
Garage	528 sqft
Occupancy	Owner Occupied
Tax Bill	$3,927.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`H19-011814`
Alternative APN	`080529.3-21-003-00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Building Area	1,972 sqft Living Area
1st Floor	3,944 sqft 1st Floor
Basement Area	1,972 sqft Basement
Unfinished Basement	1,972 sqft Unfinished
Family Room	Family Room
Stories	1 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Conventional Style
Exterior Material	Brick Exterior
Lot Area	17,903 sqft (0.411 acres)
Depth X Width	132 ft x 110 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	528 sqft Garage
Deck Area	475 sqft Deck
Patio Area	475 sqft Patio
Porch Area	40 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	134 S LUDLOW ST
City	COVINGTON
State	OH
Zip	45318-1531
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 1264 BROOKSTON #1
Legal Subdivision	BROOKSTON #1
Legal Lot Number	1264
Jurisdiction	MIAMI OH
Minor Civil Division	NEWBERRY
Census Blockgroup	2
Census Block	2046
Census Tract	325000

Owner

Source: Miami County records · APN H19-011814

Assessment roll updated March 6, 2026 · Last verified August 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	134 S LUDLOW ST, COVINGTON, OH 45318-1531
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 01, 1990
Deed Sale	Jan 01, 1990
Record Refreshed	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	134 S LUDLOW ST, COVINGTON, OH 45318-1531
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	134 LUDLOW ST, COVINGTON, OH 45318-1531

Mortgage

Document Number	0000013856
Date	Sep 20, 2022
Instrument	2022OR-13856

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	358 Months
Due	Jul 25, 2052

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newberry Township
Municipality	Covington Village
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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	$3,927.00 (+30.55%) Homeowner's exemption	$130,030 (+61.87%) Land $13,550 Building $116,480	$371,500 (+61.87%) Land $38,700 Building $332,800
2024	$3,008.00 (+3.8%) Homeowner's exemption	$80,330 (-) Land $11,270 Building $69,060
2023	$2,898.00 (-3.4%) Homeowner's exemption	$80,330 (-) Land $11,270 Building $69,060	$229,500 (-) Land $32,200 Building $197,300
2022	$3,000.00 Homeowner's exemption	$80,330 Land $11,270 Building $69,060	$229,500 Land $32,200 Building $197,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

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; lenders make the official flood determination.