974 Ludlow Ave, Cincinnati, OH 45220 Property Records

Hamilton County property record for 974 Ludlow Ave, Cincinnati, OH 45220

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,744 sqft · built 1898
Lot Size	0.114 acres (5,009 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Jan 2022)
Tax Bill	$4,310 (2025)
Deeds & Mortgages	Mar 2024 Line of Credit Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`215-0070-0023-00`

Property Details

APN / Parcel Number

Primary APN	`215-0070-0023-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,744 sqft Living Area
1st Floor Area	820 sqft
2nd Floor Area	624 sqft
Attic	Attic
Attic Area	300 sqft
Basement Area	820 sqft

Exterior

Year Built	Built 1898
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,009 sqft (0.114 acres)
Lot Dimensions	202 ft deep x 32 ft wide
Porch	Porch
Porch Area	182 sqft
Patio Area	260 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	974 LUDLOW AVE
City	CINCINNATI
State	OH
Zip	45220-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	974 LUDLOW AVE 32.40 X 202.15 IRR PT LOT 19 CLIFTON FARM
Legal Subdivision	CLIFTON FARM
Legal Lot Number	19
Jurisdiction	HAMILTON OH
Township / Civil Division	CINCINNATI
Census Block Group	1
Census Block	1010
Census Tract	7100

Owner

974 Ludlow Ave is owned and occupied by two individuals who bought it in January 2022.

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

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	974 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 13, 2024	Deed of Trust, Mortgage · Line of Credit THE NORTH SIDE BANK & TRUST COMPANY
Jan 19, 2022	Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE INC
May 2, 2017	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jan 19, 2022 · Amount on File
Deed Sale	Jan 19, 2022 · Amount on File
Prior Sale	Apr 29, 2011 · Amount on File
Deed Document Number	0000006630
Deed Book / Page	14586 / 585
Record Updated	Jun 8, 2026

March 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HAMILTON OH
Property Address	974 LUDLOW AVE, CINCINNATI, OH 45220-1020
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	974 LUDLOW AVE, CINCINNATI, OH 45220-1020

Mortgage

Document Number	0000016308
Date	Mar 13, 2024
Book Page	15122/142
Instrument	2024-0016308

Lender

Name	THE NORTH SIDE BANK & TRUST COMPANY
Type	Private Party
Address	4125 HAMILTON AVE, CINCINNATI, OH 45223

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	Jan 19, 2022
Property Address	974 LUDLOW AVE, CINCINNATI, OH 45220-1020
Document Number	0000006630
Book / Page	14586 / 585
Map Reference	MB 94 PG 442
Instrument Date	Jan 14, 2022
Instrument	2022-0006630
Transaction Type	Transfer
Record Updated	May 23, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	974 LUDLOW AVE, CINCINNATI, OH 45220-1020

Mortgage

Document Number	0000006631
Date	Jan 19, 2022
Instrument	2022-0006631

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HAMILTON OH
Recording Date	May 2, 2017
Property Address	974 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 974 Ludlow Ave was $4,310, 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	$4,310.00 (+3.13%)	$70,000 (+%) Land $20,632 Building $49,368
2024	$4,179.00 (-2.22%)	$69,999 (-) Land $20,632 Building $49,367
2023	$4,274.00 (-13.38%)	$69,999 (%) Land $20,632 Building $49,367	$200,000 Land $58,950 Building $141,050
2022	$4,934.00	$70,000 Land $18,459 Building $51,541
2020			$200,000 Land $52,740 Building $147,260

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

FEMA maps place 974 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

The area around 974 Ludlow Ave has no burnable land within ember reach, so its wildfire risk is not rated.

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 139 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
T-Mobile Fixed Wireless	100 / 20

May also be available: 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