Miami County property record for 20 N Ludlow St, Covington, OH 45318 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,332 sqft · built 1960 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,261 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-009580 |
| Primary APN | H19-009580 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,332 sqft Living Area |
| 1st Floor Area | 1,332 sqft |
| Basement Area | 666 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1960 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Brick |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Area | 459 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | H19NH023 01000 |
|---|---|
| Street Address | 20 N LUDLOW ST |
| City | COVINGTON |
| State | OH |
| Zip | 45318-1655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 945 25 & IN LOT 946 25 & IN LOT 951 25 |
| Legal Lot Number | 945 25 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-009580
Assessment roll updated January 1, 2025 · Last verified March 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 | 20 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 07, 2003 |
| Deed Sale | Aug 07, 2003 |
| Prior Transfer Date | May 24, 2001 |
| Record Updated | Jun 08, 2026 |
Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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 | $2,261.00 (+14.95%) Homeowner's exemption | $69,270 (+31.84%) Land $11,130 Building $58,140 | $197,900 (+31.85%) Land $31,800 Building $166,100 |
| 2024 | $1,967.00 (+3.8%) Homeowner's exemption | $52,540 (-) Land $12,080 Building $40,460 | |
| 2023 | $1,895.00 (-3.41%) Homeowner's exemption | $52,540 (-) Land $12,080 Building $40,460 | $150,100 (-) Land $34,500 Building $115,600 |
| 2022 | $1,962.00 Homeowner's exemption | $52,540 Land $12,080 Building $40,460 | $150,100 Land $34,500 Building $115,600 |
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 532 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures