804 Ludlow Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 804 Ludlow Ave, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,211 sqft · built 1930
Lot Size	0.156 acres (6,795 sqft)
Owner	Individual Name on File
Tax Bill	$5,702 (2025)
Deeds & Mortgages	Nov 2025 Line of Credit Oct 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`215-0068-0059-00`

Property Details

APN / Parcel Number

Primary APN	`215-0068-0059-00`
Alternative APN	`0089684`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,211 sqft Living Area
Gross Area	2,422 sqft
1st Floor Area	1,211 sqft
Upper Floors Area	969 sqft
Basement Area	1,211 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Masonry / Concrete Block
Roof Material	Asphalt
Lot Area	6,795 sqft (0.156 acres)
Lot Dimensions	134 ft deep x 55 ft wide
Garage Type	Basement
Parking Spaces	1 Parking Space
Porch	Open Frame Porch
Porch Area	49 sqft
Patio Area	366 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Oil

Location & Zoning

Street Address	804 LUDLOW AVE
City	CINCINNATI
State	OH
Zip	45220-1421
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SF6
Legal Description	LUDLOW AVE 55 X 134.61 IRR PT LOT 9 LEE & WILSONS SUB
Legal Subdivision	LEE & WILSONS SUB
Legal Lot Number	9
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	3
Census Block	3000
Census Tract	7100

Owner

804 Ludlow Ave is owned and occupied by an individual who acquired it in October 2009.

Source: Hamilton County records, as of January 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	804 LUDLOW AVE, CINCINNATI, OH 45220-1421
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 5, 2025	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Oct 17, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 16, 2009
Transfer Doc	0000000181
Record Updated	Jun 8, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	804 LUDLOW AVE, CINCINNATI, OH 45220-1421
Transaction Type	Mortgage
Record Updated	Apr 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 LUDLOW AVE, CINCINNATI, OH 45220-1421

Mortgage

Document Number	0000086242
Date	Nov 5, 2025
Book Page	15537/894
Instrument	2025-0086242

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 24, 2055

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HAMILTON OH
Recording Date	Oct 17, 2019
Property Address	804 LUDLOW AVE, CINCINNATI, OH 45220-1421
Document Number	0000090874
Book / Page	14025 / 01795
Map Reference	MB 116 PG 330
Instrument Date	Oct 11, 2019
Instrument	2019-0090874
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	AGILITY CLOSING & TITLE SVCS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	804 LUDLOW AVE, CINCINNATI, OH 45220-1421

Mortgage

Document Number	0000090875
Date	Oct 17, 2019
Instrument	2019-0090875

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 804 Ludlow Ave was $5,702 with a homeowner's exemption, up 3.1% from the year before.

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	$5,702.00 (+3.05%) Homeowner's exemption	$102,736 (-) Land $29,470 Building $73,266	$293,530 Land $84,200 Building $209,330
2024	$5,533.00 (-3.76%) Homeowner's exemption	$102,736 (-) Land $29,470 Building $73,266
2023	$5,749.00 (+11.07%) Homeowner's exemption	$102,736 (+21.97%) Land $29,470 Building $73,266	$293,530 Land $84,200 Building $209,330
2022	$5,176.00 Homeowner's exemption	$84,228 Land $26,366 Building $57,862
2020			$240,650 Land $75,330 Building $165,320

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 804 Ludlow Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2012.

Source: FEMA National Flood Hazard Layer, effective December 22, 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 Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Dec 2012 · rainfall accumulation

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 804 Ludlow Ave is low, with less than 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 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 150 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	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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