96 N Ludlow St, Covington, OH 45318 Property Records

Miami County property record for 96 N Ludlow St, Covington, OH 45318 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 905 sqft · built 1950
Lot Size	0.128 acres (5,619 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (May 2024)
Tax Bill	$1,587 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-009460`

Property Details

APN / Parcel Number

Primary APN	`H19-009460`
Alternative APNs	`080529.2-17-001-00` `H19NH023 00500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	905 sqft Living Area
1st Floor Area	905 sqft
Family Room	Family Room

Exterior

Year Built	Built 1950
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,619 sqft (0.128 acres)
Lot Dimensions	225 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	207 sqft
Deck Area	190 sqft
Patio Area	190 sqft
Canopy	190 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19NH023 00500
Street Address	96 N LUDLOW ST
City	COVINGTON
State	OH
Zip	45318-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 899 25 & IL 906 25
Legal Subdivision	EDWIN C WRIGHTS SUB
Legal Lot Number	899
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2039
Census Tract	325000

Owner

Source: Miami County records · APN H19-009460

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	Individual Name on File
Mailing Address	96 N LUDLOW ST, COVINGTON, OH 45318-1655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 15, 2024 · Amount on Record
Deed Sale	May 15, 2024 · Amount on Record
Prior Sale	Aug 21, 2019 · Amount on Record
Deed Document Number	839
Record Updated	Jun 08, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 21, 2019
Property Address	96 N LUDLOW ST, COVINGTON, OH 45318-1655
Document Number	0000009550
Map Reference	MB 3 PG 100
Instrument Date	Aug 14, 2019
Instrument	2019OR-09550
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	96 N LUDLOW ST, COVINGTON, OH 45318-1655

Mortgage

Document Number	0000009551
Date	Aug 21, 2019
Instrument	2019OR-09551

Lender

Name	PARTNERS UNITED FINANCIAL LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2049

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newberry Township
Municipality	Covington Village
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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	$1,587.00 (+9.37%) Homeowner's exemption	$48,650 (+25.55%) Land $8,190 Building $40,460	$139,000 (+25.56%) Land $23,400 Building $115,600
2024	$1,451.00 (+3.79%) Homeowner's exemption	$38,750 (-) Land $8,890 Building $29,860
2023	$1,398.00 (-3.39%) Homeowner's exemption	$38,750 (-) Land $8,890 Building $29,860	$110,700 (-) Land $25,400 Building $85,300
2022	$1,447.00 Homeowner's exemption	$38,750 Land $8,890 Building $29,860	$110,700 Land $25,400 Building $85,300

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.