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445 Ludlow Ave, Cincinnati, OH, 45220

6beds
6baths
3,941sqft
$799,000
$203price/sqft
$5,782/moest. monthly cost
$231,280/yrincome needed

About This Home

Unveiling a Gaslight District Masterwork! This isn't just a house; it's a richly crafted, circa 1900 architectural treasure located right in the heart of Clifton's coveted Gaslight community. MAJOR RENOVATION in 2025, blending classic elegance with modern peace of mind. Original architectural details are intact! Marvel at the museum-quality stained glass, soaring ornamental ceilings, and stunning, detailed fireplaces. The centerpiece? A show-stopper staircase that is pure Gilded Age glamour. The spacious main residence features nine generous rooms and two full baths, plus a surprising amount of storage. EXTERIOR & INCOME: Includes a desirable detached two-car garage and a 3rd floor private apartment with its own rear entrance for instant rental income or a phenomenal WFH studio. An outstanding opportunity awaits to own a piece of Cincinnati history.

Getting Around

80
WalkingVery Walkable
53
TransitGood Transit
71
BikeVery Bikeable

Schools

3/10
Hughes STEM High SchoolGrades 7-121.1 mi
8/10
Walnut Hills High SchoolGrades 5-122.4 mi

Construction

Condition

  • Year built: 1900

Materials

  • Foundation: Stone
  • Roof: Slate
  • Construction materials: Brick

Type & Style

  • Home type: SingleFamily
  • Architectural style: Victorian
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Gas Water Heater

Basement

  • Has basement: Yes
  • Basement: Full

Bathroom1

  • Features: Full
  • Level: Second

Bathroom2

  • Features: Full
  • Level: First

Bathroom3

  • Features: Full
  • Level: Third

Bathroom4

  • Features: Full
  • Level: Third

Bedroom2

  • Level: Second
  • Area: 300

Bedroom3

  • Level: Second
  • Area: 156

Bedroom4

  • Level: Third
  • Area: 144

Bedroom5

  • Level: Third
  • Area: 144

Bedrooms & Bathrooms

  • Bedrooms: 6
  • Bathrooms: 6
  • Full bathrooms: 6

Dining Room

  • Level: First
  • Area: 224

Family Room

  • Area: 144

Features

  • Window features: Wood Frames

Heating & Cooling

  • Heating features: Forced Air,Hot Water
  • Cooling features: Central Air,Window Unit(s)

Interior Area

  • Total structure area: 3,941
  • Total interior livable area: 3,941 sqft

Kitchen

  • Area: 300

Living Room

  • Area: 280

Master Bathroom

  • Features: Shower,Tile Floor,Tub w/Shower

Master Bedroom

  • Features: Wood Floor
  • Level: Second
  • Area: 224

Office

  • Level: Second
  • Area: 150

Property

Details

  • Parcel number: 2140005014300

Features

  • Stories: 3

Lot

  • Lot size: 0.26 Acres
  • Lot size dimensions: 75.88 x 163.68

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Heat Wave
    Heat WaveModerate
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Heat Wave
Tornado

FEMA Declared Disasters Across Ohio Counties

Flood
Tornado

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $4,040$48,480
Home Insurance *$315$3,780
Property Taxes $1,005$12,060
Electricity $422$5,072
Total$5,782$69,384
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$198,240/yr
40% on housing$173,460/yr
45% on housing$154,186/yr

Ohio FAIR Plan Programs

Ohio FAIR Plan Underwriting Association

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 13,942Commercial: 466
Total Premiums$18.03M
Total Exposure$5.92B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.2%
12.2%
0%30.0%
Electricity Growth Rate10-year average: 5.9%
5.9%
0%15.0%
Property Taxes Growth Rate2-year average: 2.4%
2.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$203This listing

vs Other Active Listings

Avg $/sqft

ZIP 45220$189
Hamilton County$188

vs Homes Sold Last Month

Median $/sqft

ZIP 45220$190
Hamilton County$165

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-05Price change$825,000
2026-04-20Listed for sale$849,000
2026-02-10Listing removed$849,000
2026-01-09Price change$849,000
2025-12-10Listed for sale$885,000
2022-07-22Sold$440,000
2022-06-22Pending sale$479,000
2022-06-20Listed for sale$479,000
2007-06-18Sold$350,000
1999-12-20Sold$225,000

For Sale by Agent

AgentSteven Koleno
BrokerageBeycome Brokerage Realty LLC

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