Miami County property record for 24 N Ludlow St, Covington, OH 45318 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 738 sqft · built 1947 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $169,000 (Mar 2026) |
| Tax Bill | $1,128 (2025) |
| Deeds & Mortgages | Mar 2026 Sale & Mortgage Mar 2026 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-009570 |
| Primary APN | H19-009570 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 738 sqft Living Area |
| 1st Floor Area | 1,476 sqft |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 1947 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 115 ft deep x 75 ft wide |
| Garage Type | Detached |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Patio Area | 140 sqft |
| Canopy | 140 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 24 N LUDLOW ST |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL 939 25' IL 931 25' IL 938 25' |
| Legal Subdivision | EDWIN C WRIGHTS SUBDIVISION |
| Legal Lot Number | 939 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-009570
Assessment roll updated March 6, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married |
| Date | Document |
|---|---|
| Mar 25, 2026 | Warranty Deed, Transfer · FHA Mortgage UNION SAVINGS BANK |
| Mar 17, 2026 | Intrafamily Transfer, Transfer |
| Oct 08, 2025 | Warranty Deed, Transfer · Line of Credit GREENVILLE NATIONAL BANK |
| Jun 10, 2022 | Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 30, 2017 | Grant Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 25, 2026 · Amount on Record |
| Deed Sale | Mar 25, 2026 · Amount on Record |
| Prior Sale | Oct 08, 2025 · Amount on Record |
| Deed Document Number | 20263439 |
| Prior Transfer Date | Mar 12, 2026 |
| Prior Transfer Doc | 0000003096 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Mar 25, 2026 |
| Property Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000003439 |
| Instrument Date | Mar 20, 2026 |
| Instrument | 2026OR-03439 |
| Transaction Type | Transfer |
| Record Updated | Apr 03, 2026 |
| Title Company | WAVE TITLE AGENCY INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000003440 |
|---|---|
| Date | Mar 25, 2026 |
| Instrument | 2026OR-03440 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Bank |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Mar 17, 2026 |
| Property Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000003096 |
| Instrument Date | Mar 12, 2026 |
| Instrument | 2026OR-03096 |
| Transaction Type | Transfer |
| Record Updated | Mar 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 26 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Oct 08, 2025 |
| Property Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000011589 |
| Instrument Date | Aug 21, 2025 |
| Instrument | 2025OR-11589 |
| Transaction Type | Transfer |
| Record Updated | Oct 27, 2025 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 17 MEADOWLAWN DR, ARCANUM, OH 45304-1411 |
| Document Number | 0000011590 |
|---|---|
| Date | Oct 08, 2025 |
| Instrument | 2025OR-11590 |
| Name | GREENVILLE NATIONAL BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 178 Months |
| Due | Aug 21, 2040 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jun 10, 2022 |
| Property Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000009076 |
| Instrument Date | Jun 03, 2022 |
| Instrument | 2022OR-09076 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000009077 |
|---|---|
| Date | Jun 10, 2022 |
| Instrument | 2022OR-09077 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 30, 2017 |
| Property Address | 24 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000010722 |
| Instrument Date | Aug 26, 2017 |
| Instrument | 10722 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2017 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Tax | $89.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 20 N LUDLOW ST COVINGTON OH 453181655, COVINGTON, OH 45318-1655 |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified July 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 is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,128.00 (+14.29%) Homeowner's exemption | $34,580 (+31.18%) Land $11,130 Building $23,450 | $98,800 (+31.21%) Land $31,800 Building $67,000 |
| 2024 | $987.00 (+3.79%) Homeowner's exemption | $26,360 (-) Land $12,080 Building $14,280 | |
| 2023 | $951.00 (-5.56%) | $26,360 (-) Land $12,080 Building $14,280 | $75,300 (-) Land $34,500 Building $40,800 |
| 2022 | $1,007.00 | $26,360 Land $12,080 Building $14,280 | $75,300 Land $34,500 Building $40,800 |
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 |
| Flood Insurance Cost | Premium on Record median of 3 individual NFIP policies nearby |
| Nearby Flood Policies | 3 in force 2 of 3 on primary residences |
| 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.
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