319 Ludlow Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 319 Ludlow Ave, Cincinnati, OH 45220

Property Summary

Property Type	Grocery, Supermarket
Details	13,052 sqft · built 1900
Lot Size	0.964 acres (42,009 sqft)
Owner	Company Name on Record
Last Sale	$1,725,000 (Sep 2019)
Tax Bill	$56,762 (2025)
Deeds & Mortgages	Feb 2023 Mortgage Dec 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`214-0004-0102-00`

Property Details

APN / Parcel Number

Primary APN	`214-0004-0102-00`

Interior

Total Rooms	4 Rooms
Stories	1 Story
Building Area	13,052 sqft
Basement Area	442 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	42,009 sqft (0.964 acres)
Lot Dimensions	284 ft deep x 260 ft wide

Location & Zoning

Street Address	319 LUDLOW AVE
City	CINCINNATI
State	OH
Zip	45220-2002
Property Category	Commercial
Property Type	Commercial > Retail > Grocery, Supermarket
Local Zoning Code	CNP
Legal Description	LUDLOW AV 0.9644 ACSR1-T2-S21PRS 102TH104-118TH121-134-147-153
Legal Subdivision	WHITEMAN
Legal Lot Number	3
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1007
Census Tract	7200

Owner

Source: Hamilton County records, as of July 1, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	3847 WILD CHERRY WAY, MASON, OH 45040-4124
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 27, 2023	Deed of Trust, Mortgage · Commercial Mortgage WESBANCO BANK INC
Dec 2, 2021	Deed of Trust, Mortgage · SBA Mortgage READY CAPITAL CORP
Dec 2, 2021	Deed of Trust, Mortgage READYCAP COMMERCIAL LLC
Jan 18, 2022	Deed of Trust, Mortgage · Commercial Mortgage READY CAPITAL CORP
Sep 4, 2019	Warranty Deed, Transfer HARVEST SMALL BUSN FIN LLC
Jan 29, 2020	Deed of Trust, Construction Loan · Line of Credit BACHER BAR LLC (TE)

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2019 · Amount on Record
Deed Sale	Sep 4, 2019 · Amount on Record
Prior Sale	Apr 28, 2015 · Amount on Record
Deed Document Number	201974899
Deed Book / Page	13994 / 1970
Prior Transfer Date	May 7, 2011
Prior Transfer Doc	0000000650
Record Updated	Oct 29, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Transaction Type	Mortgage
Record Updated	Mar 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3847 WILD CHERRY WAY, MASON, OH 45040-4124

Mortgage

Document Number	0000013467
Date	Feb 27, 2023
Book Page	14861/826
Instrument	2023-0013467

Lender

Name	WESBANCO BANK INC
Type	Bank
Address	CINCINNATI, OH 45217

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000144910
Date	Dec 2, 2021
Book Page	14555/2078
Instrument	2021-0144910

Lender

Name	READY CAPITAL CORP
Type	Funding / Finance Company
Address	BERKELEY HEIGHTS, NJ 07922

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Nov 23, 2046

Interest

Rate Type	Adjustable Rate

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	311 HOWELL AVE, CINCINNATI, OH 45220-2006

Mortgage

Document Number	0000144989
Date	Dec 2, 2021
Book Page	14555/2583
Instrument	2021-0144989

Lender

Name	READYCAP COMMERCIAL LLC
Type	Non-Lending Institution
Address	BERKELEY HEIGHTS, NJ 07922

Agreement

Amount	Amount Recorded
Term	299 Months
Due	Nov 23, 2046

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005834
Date	Jan 18, 2022
Book Page	14585/394
Instrument	2022-0005834

Lender

Name	READY CAPITAL CORP
Type	Funding / Finance Company
Address	BERKELEY HEIGHTS, NJ 07922

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Dec 22, 2046

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Sep 4, 2019
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Document Number	0000074899
Book / Page	013994 / 001970
Instrument Date	Aug 20, 2019
Instrument	74899
Transaction Type	Transfer
Record Updated	Nov 6, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,900.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3847 WILD CHERRY WAY MASON OH 450404124, MASON, OH 45040-4124

Mortgage

Document Number	74900
Date	Sep 4, 2019
Book Page	013994/001973
Instrument	74900

Lender

Name	HARVEST SMALL BUSN FIN LLC
Address	24422 AVENIDA DE LA CARLOTA # 2, LAGUNA HILLS, CA 92653-3636

Agreement

Amount	Amount Recorded
Term	300 Months
Due	Sep 3, 2044

Interest

Rate Type	Adjustable Rate

January 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Recording Date	Jan 29, 2020
Property Address	319 LUDLOW AVE, CINCINNATI, OH 45220-2002
Document Number	0000009866
Book / Page	014093 / 001034
Instrument Date	Aug 12, 2019
Instrument	9866
Transaction Type	Construction Loan
Record Updated	Feb 27, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	3847 WILD CHERRY WAY MASON OH 450404124, MASON, OH 45040-4124

Mortgage

Document Number	0000009866
Date	Jan 29, 2020
Book Page	014093/001034
Instrument	9866

Lender

Name	BACHER BAR LLC (TE)
Address	1894 E GALBRAITH RD, CINCINNATI, OH 45215-5635

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 28, 2021

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hamilton County assessment roll, as of January 21, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hamilton County
Municipality	Cincinnati City
Unified School District	Cincinnati City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$56,762.00 (+118.14%)	$681,006 (-) Land $102,039 Building $578,967	$1,945,730 (-) Land $291,540 Building $1,654,190
2024	$26,021.00 (+5.33%)	$681,006 (-) Land $102,039 Building $578,967
2023	$24,705.00 (+0.15%)	$681,006 (+12.8%) Land $102,039 Building $578,967	$1,945,730 (+12.8%) Land $291,540 Building $1,654,190
2022	$24,669.00	$603,751 Land $98,697 Building $505,054
2020			$1,725,000 Land $281,990 Building $1,443,010

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 December 22, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CINCINNATI PUBLIC WATER SYSTEM serves 800,000 people · EPA ID OH3102612
Water Source	Surface water
Last State Inspection	Dec 2024
Lead	2 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	None 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 590 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
altafiber Network Solutions Fiber	3,000 / 3,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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