2 Ludlow St, Athens, OH 45701 Property Records

Athens County property record for 2 Ludlow St, Athens, OH 45701

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,632 sqft · built 1977
Lot Size	0.103 acres (4,500 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Dec 2021)
Tax Bill	$954 (2025)
Deeds & Mortgages	Dec 2021 Sale & Mortgage Jun 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`A02-81800027-00`

Property Details

APN / Parcel Number

Primary APN	`A02-81800027-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,632 sqft Living Area
1st Floor Area	528 sqft
Basement Area	528 sqft
Finished Basement	528 sqft
Family Room	Family Room

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Other
Exterior Material	Wood
Lot Area	4,500 sqft (0.103 acres)
Lot Dimensions	100 ft deep x 45 ft wide
Terrain	Steep

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	12 sqft
Patio Area	328 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2 LUDLOW ST
City	ATHENS
State	OH
Zip	45701-1637
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	14-09-00 IL 1934 K-24 100' E END
Legal Subdivision	SYCAMORE HEIGHTS ADDITION
Jurisdiction	ATHENS OH
Township / Civil Division	ATHENS
Census Block Group	2
Census Block	2026
Census Tract	973000

Owner

2 Ludlow St is owned and occupied by an individual who bought it in December 2021.

Source: Athens County records, as of April 7, 2026

Owner of Record	Individual Name on File
Mailing Address	2 LUDLOW ST, ATHENS, OH 45701-1637
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Warranty Deed, Transfer · VA Mortgage RAPID MORTGAGE COMPANY
Jun 29, 2021	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Feb 4, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ANDREWS FCU
May 23, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESIDE FINANCIAL LLC
Apr 12, 2018	Deed of Trust, Mortgage · ARM OHIO UNIVERSITY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 9, 2021 · Amount on File
Deed Sale	Dec 9, 2021 · Amount on File
Prior Sale	May 23, 2018 · Amount on File
Deed Document Number	20216877
Deed Book / Page	589 / 1608
Record Updated	Jun 8, 2026

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ATHENS OH
Recording Date	Dec 9, 2021
Property Address	2 LUDLOW ST, ATHENS, OH 45701-1637
Document Number	00589/1608
Book / Page	589 / 1608
Instrument Date	Dec 6, 2021
Instrument	202100006877
Transaction Type	Transfer
Record Updated	Feb 9, 2022
Title Company	SECURE TITLE SERVICES

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LUDLOW ST, ATHENS, OH 45701-1637

Mortgage

Document Number	202100006878
Date	Dec 9, 2021
Instrument	202100006878

Lender

Name	RAPID MORTGAGE COMPANY
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2052

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHENS OH
Property Address	2 LUDLOW ST, ATHENS, OH 45701-1637
Transaction Type	Mortgage
Record Updated	Jul 13, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	583/1397
Date	Jun 29, 2021
Book Page	583/1397
Instrument	202100003661

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	358 Months
Due	Apr 1, 2051

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHENS OH
Property Address	2 LUDLOW ST, ATHENS, OH 45701-1637
Transaction Type	Mortgage
Record Updated	Feb 13, 2019
Title Company	MORTGAGE INFORMATION SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	552/2234
Date	Feb 4, 2019
Book Page	552/2234
Instrument	201900000548

Lender

Name	ANDREWS FCU
Type	Credit Union
Address	SUITLAND, MD 20746

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Feb 1, 2034

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ATHENS OH
Recording Date	May 23, 2018
Property Address	2 LUDLOW ST, ATHENS, OH 45701-1637
Document Number	00544/1013
Book / Page	544 / 1013
Instrument Date	May 18, 2018
Instrument	201800002507
Transaction Type	Transfer
Record Updated	May 24, 2022
Title Company	VANHORN TITLE AGENCY INC, VAN HORN TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$620.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 LUDLOW ST, ATHENS, OH 45701-1637

Mortgage

Document Number	201800002508
Date	May 23, 2018
Instrument	201800002508

Lender

Name	HOMESIDE FINANCIAL LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2048

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ATHENS OH
Property Address	2 LUDLOW ST, ATHENS, OH 45701-1637
Transaction Type	Mortgage
Record Updated	Apr 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	542/2568
Date	Apr 12, 2018
Book Page	542/2568
Instrument	201800001668

Lender

Name	OHIO UNIVERSITY CU
Type	Credit Union
Address	ATHENS, OH 45701

Agreement

Type	ARM
Amount	Amount on Record
Term	240 Months
Due	Apr 11, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 2 Ludlow St was $954 with exemptions applied.

Source: Athens County assessment roll, as of April 7, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$954.00	$56,790 Land $4,040 Building $52,750
2024			$162,260 (-) Land $11,540 Building $150,720
2023	$5,173.00 (+120.88%)	$56,790 (+25.5%) Land $4,040 Building $52,750	$162,260 Land $11,540 Building $150,720
2022	$2,342.00	$45,250 Land $4,040 Building $41,210
2020			$129,290 Land $11,540 Building $117,750

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

FEMA maps place 2 Ludlow St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force

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

Wildfire risk around 2 Ludlow St 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	ATHENS PWS private · serves 32,725 people · EPA ID OH0500212
Water Source	Groundwater
Last State Inspection	Feb 2024
Lead	Under 1 ppb (2022–2024) 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 375 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Smart Way Communications, T-Mobile.

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