964 Ludlow Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 964 Ludlow Ave, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,312 sqft · built 1900
Lot Size	0.157 acres (6,839 sqft)
Owner	Individual Name on File
Last Sale	$229,900 (Mar 2022)
Tax Bill	$4,955 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`215-0070-0021-00`

Property Details

APN / Parcel Number

Primary APN	`215-0070-0021-00`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,312 sqft Living Area
1st Floor Area	752 sqft
2nd Floor Area	560 sqft
Basement Area	752 sqft

Exterior

Year Built	Built 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,839 sqft (0.157 acres)
Lot Dimensions	263 ft deep x 37 ft wide
Porch	Porch
Porch Area	84 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	964 LUDLOW AVE
City	CINCINNATI
State	OH
Zip	45220-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	964 LUDLOW AVE 38.09 X 263.91 FT IRR E PT LOT 1 BOWDLE ET AL
Legal Subdivision	BOWDLE
Legal Lot Number	1
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	7100

Owner

964 Ludlow Ave is owned and occupied by an individual who bought it in March 2022.

Source: Hamilton County records, as of February 9, 2026

Owner of Record	Individual Name on File
Mailing Address	964 LUDLOW AVE, CINCINNATI, OH 45220-1020
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage THE WILMINGTON SAVINGS BANK
May 2, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2022 · Amount on File
Deed Sale	Mar 4, 2022 · Amount on File
Prior Sale	May 2, 2017 · Amount on File
Deed Document Number	0000023810
Deed Book / Page	14617 / 2600
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Mar 4, 2022
Property Address	964 LUDLOW AVE, CINCINNATI, OH 45220-1020
Document Number	0000023810
Book / Page	14617 / 2600
Map Reference	MB 14 PG 134
Instrument Date	Mar 3, 2022
Instrument	2022-0023810
Transaction Type	Transfer
Record Updated	Apr 10, 2026

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$689.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	964 LUDLOW AVE, CINCINNATI, OH 45220-1020

Mortgage

Document Number	0000023811
Date	Mar 4, 2022
Instrument	2022-0023811

Lender

Name	THE WILMINGTON SAVINGS BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 2, 2017
Property Address	964 LUDLOW AVE, CINCINNATI, OH 45220-1020
Document Number	0000039130
Book / Page	013408 / 003022
Instrument Date	May 1, 2017
Instrument	39130
Transaction Type	Transfer
Record Updated	Jul 14, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$1,035.00
Amount Accuracy	Confirmed
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	311 HOWELL AVE CINCINNATI OH 452202006, CINCINNATI, OH 45220-2006

Tax Assessment & Valuation

The 2025 property tax bill for 964 Ludlow Ave was $4,955, up 3.1% from the year before.

Source: Hamilton County assessment roll, as of March 1, 2025

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	$4,955.00 (+3.12%)	$80,465 (+%) Land $17,007 Building $63,458
2024	$4,805.00 (-2.2%)	$80,464 (-) Land $17,006 Building $63,458
2023	$4,913.00 (+97.31%)	$80,464 (+128.27%) Land $17,006 Building $63,458	$229,900 Land $48,590 Building $181,310
2022	$2,490.00	$35,249 Land $15,215 Building $20,034
2020			$100,710 Land $43,470 Building $57,240

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 964 Ludlow Ave in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1978.

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	4 (1978–2015)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Mar 2015 · other causes

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 964 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 154 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
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

Nearby Properties on Ludlow Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures