Miami County property record for 38 N Ludlow St, Covington, OH 45318 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 974 sqft · built 1954 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Last Sale | $137,900 (Nov 2021) |
| Tax Bill | $1,805 (2025) |
| Deeds & Mortgages | Nov 2021 Sale & Mortgage Dec 2018 Construction Loan + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-009510 |
| Primary APN | H19-009510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 974 sqft Living Area |
| 1st Floor Area | 1,948 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Dimensions | 115 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 146 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 38 N LUDLOW ST |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1655 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 922 25 IN LOT 915 25 |
| Legal Lot Number | 922 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2039 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-009510
Assessment roll updated March 6, 2026 · Last verified April 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 | 38 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2021 | Warranty Deed, Transfer · Conventional Mortgage ABBEY CU INC |
| Dec 11, 2018 | Deed of Trust, Mortgage · Construction Mortgage UNION SAVINGS BANK |
| Aug 14, 2019 | Warranty Deed, Transfer · Conventional Mortgage MINSTER BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 24, 2021 · Amount on Record |
| Deed Sale | Nov 24, 2021 · Amount on Record |
| Prior Sale | Nov 24, 2021 · Amount on Record |
| Deed Document Number | 20212021OR-20475 |
| Prior Transfer Date | Feb 07, 2014 |
| Prior Transfer Doc | 0000001591 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Nov 24, 2021 |
| Property Address | 38 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000020475 |
| Instrument Date | Nov 22, 2021 |
| Instrument | 2021OR-20475 |
| Transaction Type | Transfer |
| Record Updated | Jan 04, 2022 |
| 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 | 38 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000020476 |
|---|---|
| Date | Nov 24, 2021 |
| Instrument | 2021OR-20476 |
| Name | ABBEY CU INC |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 38 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000015235 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 2018OR-15235 |
| Name | UNION SAVINGS BANK |
|---|---|
| Type | Credit Union |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Aug 14, 2019 |
| Property Address | 38 N LUDLOW ST, COVINGTON, OH 45318-1655 |
| Document Number | 0000009205 |
| Instrument Date | Aug 12, 2019 |
| Instrument | 2019OR-09205 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Title Company | FIRST TITLE AGENCY |
| 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 |
|---|---|
| Relationship | Right of Survivorship |
| Address | 6510 N MULBERRY GROVE RAKESTRAW RD, COVINGTON, OH 45318-8873 |
| Document Number | 0000009206 |
|---|---|
| Date | Aug 14, 2019 |
| Instrument | 2019OR-09206 |
| Name | MINSTER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 01, 2034 |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified April 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, not market price estimates; both are a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,805.00 (+51.55%) Homeowner's exemption | $55,310 (+73.82%) Land $8,230 Building $47,080 | $158,000 (+73.82%) Land $23,500 Building $134,500 |
| 2024 | $1,191.00 (+3.75%) Homeowner's exemption | $31,820 (-) Land $8,930 Building $22,890 | |
| 2023 | $1,148.00 (-3.37%) Homeowner's exemption | $31,820 (-) Land $8,930 Building $22,890 | $90,900 (-) Land $25,500 Building $65,400 |
| 2022 | $1,188.00 Homeowner's exemption | $31,820 Land $8,930 Building $22,890 | $90,900 Land $25,500 Building $65,400 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures