Teresa Gillum
eXp Realty
(859) 927-3267
115 Total Sales
2 in Ludlow
$265K - $345K Price Range
21 Alberta St Covington, KY 41016
Ludlow AreaEstimated Value: $148,501
2
Beds
2
Baths
736
Sq Ft
$202/Sq Ft
Est. Value
Highlights
- Deck
- No HOA
- Porch
- Ranch Style House
- Fireplace
- Eat-In Kitchen
About This Home
As of March 2024Embrace the charm of Ludlow in this lovely cottage home that features 2 bedrooms and the potential for a third. This residence offers a warm and inviting atmosphere for a cozy lifestyle. The inviting front porch is a perfect spot to relax. Inside, the main level showcases a large Living Room, Eat-In Kitchen and Primary Suite. There is a bedroom, laundry (possible 3rd bedroom), and full bath on the lower level. The Lower Level has a walkout to a deck at the rear of the home, creating a seamless connection between indoor and outdoor living spaces. The deck overlooks the level backyard. This cottage also has a newer roof, furnace and A/C, ensuring peace of mind for homeowners. Convenience is key with this Ludlow residence, as it is strategically located close to everything. Residents can enjoy the vibrant entertainment, dining and eclectic shopping experiences in downtown Ludlow. Whether you're a food enthusiast, a shopping aficionado, or simply seeking a lively community atmosphere, this location has it all. Minutes away from downtown Cincinnati and approximately 22 minute to the International Airport.
Last Agent to Sell the Property
Coldwell Banker Realty FM License #215088 Listed on: 02/02/2024
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Home Details
Home Type
- Single Family
Lot Details
- 2,614 Sq Ft Lot
- Lot Dimensions are 25'x100'
Parking
- On-Street Parking
Home Design
- Ranch Style House
- Block Foundation
- Shingle Roof
- Vinyl Siding
Interior Spaces
- Fireplace
- Vinyl Clad Windows
- Family Room
- Living Room
- Unfinished Basement
Kitchen
- Eat-In Kitchen
- Gas Range
- Microwave
- Dishwasher
- Solid Wood Cabinet
Flooring
- Concrete
- Luxury Vinyl Tile
Bedrooms and Bathrooms
- 2 Bedrooms
- En-Suite Primary Bedroom
- 2 Full Bathrooms
- Primary Bathroom includes a Walk-In Shower
Laundry
- Laundry Room
- Laundry on lower level
- Dryer
- Washer
Outdoor Features
- Deck
- Porch
Schools
- Mary A. Goetz Elementary School
- Ludlow Middle School
- Ludlow High School
Utilities
- Forced Air Heating and Cooling System
- Heating System Uses Natural Gas
Community Details
- No Home Owners Association
Listing and Financial Details
- Assessor Parcel Number 040-14-05-003.00
Ownership History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
Date
Name
Owned For
Owner Type
Purchase Details
Listed on
Feb 2, 2024
Closed on
Mar 20, 2024
Sold by
Zumbiel Christopher and Zumbiel Tina
Bought by
Seller's Agent
Thomas Gamel
Coldwell Banker Realty FM
Buyer's Agent
Jennifer Vories
Keller Williams Realty Service
List Price
$144,900
Sold Price
$126,000
Premium/Discount to List
-$18,900
-13.04%
Views
375
Current Estimated Value
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$22,501
Avg. Annual Appreciation
6.82%
Purchase Details
Listed on
Dec 14, 2020
Closed on
Feb 19, 2021
Sold by
Kroger John T and Kroger Leslie A
Bought by
Zumbiel Christopher and Zumbiel Tina
Seller's Agent
Brianne Kroger
eXp Realty, LLC
Buyer's Agent
Thomas Gamel
Coldwell Banker Realty FM
List Price
$80,000
Sold Price
$69,500
Premium/Discount to List
-$10,500
-13.12%
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
21.46%
Original Mortgage
$52,100
Interest Rate
2.7%
Mortgage Type
New Conventional
Purchase Details
Closed on
Nov 30, 2006
Sold by
Hicks Steven T and Hicks Jacqueline A
Bought by
Kroger John T and Kroger Leslie A
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$56,500
Interest Rate
6.5%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Nov 6, 2006
Sold by
Hicks Steven and Hicks Jacqueline A
Bought by
Hicks Steven T and Hicks Jacqueline A
Home Financials for this Owner
Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$56,500
Interest Rate
6.5%
Mortgage Type
Purchase Money Mortgage
Purchase Details
Closed on
Jun 21, 2006
Sold by
Fannie Mae
Bought by
Hicks Steven
Purchase Details
Closed on
May 2, 2005
Sold by
Goldizen Timothy
Bought by
Federal National Mortgage Association
Purchase Details
Closed on
Apr 22, 1999
Sold by
M L Pulliam Trst
Bought by
Goldizen Tim
Purchase Details
Closed on
Dec 11, 1997
Sold by
Columbia Federal Savings
Bought by
M L Pulliam Trustee
Home Values in the Area
Average Home Value in this Area
Agents Specializing in Covington, KY
-
Teresa Gillum
-
Quintin Suggs
Quintin Suggs
Pivot Realty Group, LLC
(513) 572-3260
93 Total Sales
1 in Ludlow
$315,000 Price
-
Aimee Pelletier
Aimee Pelletier
Responds QuicklySibcy Cline, Inc.
(513) 866-3818
159 Total Sales
6 in Ludlow
$120K - $305K Price Range
-
Tasha Klaber-Flood
Tasha Klaber-Flood
Sibcy Cline, REALTORS-Florence
(513) 599-0879
96 Total Sales
1 in Ludlow
$191,000 Price
-
Katrina Robke Holtmeier
Katrina Robke Holtmeier
Keller Williams Realty Service
(513) 866-7832
144 Total Sales
2 in Ludlow
$180K - $200K Price Range
-
JoLynn Johnston
JoLynn Johnston
e-Merge Real Estate Victory
(513) 813-4925
67 Total Sales
1 in Ludlow
$163,500 Price
Purchase History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Buyer | Sale Price | Title Company |
|---|---|---|---|
| $126,000 | None Listed On Document | ||
| Tanenbaums Llc | $126,000 | None Listed On Document | |
| Tanenbaums Llc | $126,000 | None Listed On Document | |
| Zumbiel Christopher | $69,500 | Prominent Title Agency | |
| Kroger John T | $66,500 | Titlecare Closing Company | |
| Hicks Steven T | -- | Titlecare Closing Company | |
| Hicks Steven | $8,500 | Strategic Title Services | |
| Federal National Mortgage Association | $40,000 | -- | |
| Goldizen Tim | $34,000 | -- | |
| M L Pulliam Trustee | $11,000 | -- |
Source: Public Records
Mortgage History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Status | Borrower | Loan Amount |
|---|---|---|---|
| Previous Owner | $52,100 | ||
| Previous Owner | Kroger John T | $56,500 | |
| Previous Owner | Hicks Steven T | $63,200 |
Source: Public Records
Property History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Date | Event | Price | List to Sale | Price per Sq Ft | Prior Sale |
|---|---|---|---|---|---|
| 03/20/2024 03/20/24 | Sold | $126,000 | -6.8% | $171 / Sq Ft | |
| 03/08/2024 03/08/24 | Pending | -- | -- | -- | |
| 03/01/2024 03/01/24 | Price Changed | $135,230 | -6.7% | $184 / Sq Ft | |
| 02/13/2024 02/13/24 | For Sale | $144,900 | 0.0% | $197 / Sq Ft | |
| 02/06/2024 02/06/24 | Pending | -- | -- | -- | |
| 02/02/2024 02/02/24 | For Sale | $144,900 | +108.5% | $197 / Sq Ft | |
| 02/26/2021 02/26/21 | Sold | $69,500 | -7.3% | $94 / Sq Ft | View Prior Sale |
| 01/08/2021 01/08/21 | Pending | -- | -- | -- | |
| 12/22/2020 12/22/20 | Price Changed | $75,000 | -6.3% | $102 / Sq Ft | |
| 12/14/2020 12/14/20 | For Sale | $80,000 | -- | $109 / Sq Ft |
Source: Northern Kentucky Multiple Listing Service
Tax History
We collect this data history from publicly available records. To have your information removed, we recommend requesting removal directly through your county’s website.
| Year | Tax Paid | Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. | Land | Improvement |
|---|---|---|---|---|
| 2025 | $1,646 | $126,000 | $10,000 | $116,000 |
| 2024 | $1,235 | $95,000 | $10,000 | $85,000 |
| 2023 | $1,223 | $95,000 | $10,000 | $85,000 |
| 2022 | $1,263 | $95,000 | $10,000 | $85,000 |
| 2021 | $1,001 | $66,500 | $10,000 | $56,500 |
| 2020 | $997 | $66,500 | $10,000 | $56,500 |
| 2019 | $991 | $66,500 | $10,000 | $56,500 |
| 2018 | $985 | $66,500 | $10,000 | $56,500 |
| 2017 | $973 | $66,500 | $10,000 | $56,500 |
| 2015 | $923 | $66,500 | $10,000 | $56,500 |
| 2014 | $887 | $66,500 | $10,000 | $56,500 |
Source: Public Records
Agents Affiliated with this Home
-
Thomas Gamel
Seller's Agent in 2024
Thomas Gamel
Coldwell Banker Realty FM
(859) 322-5622
77 Total Sales
-
Jennifer Vories
Buyer's Agent in 2024
Jennifer Vories
Keller Williams Realty Service
(859) 240-0727
618 Total Sales
-
Brianne Kroger
Seller's Agent in 2021
Brianne Kroger
eXp Realty, LLC
(513) 407-0796
51 Total Sales
Map
Source: Northern Kentucky Multiple Listing Service
MLS Number: 620177
APN: 040-14-05-003.00
Disclaimer: Certain information contained herein is derived from information provided by parties other than Homes.com. All information provided is deemed reliable, but is not guaranteed to be accurate and should be independently verified.
The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange Program of NKMLS. Real estate listings held by IDX Brokerage firms other than Ten-X are marked with the Internet Data Exchange logo or the Internet Data Exchange thumbnail logo and detailed information about them includes the name of the listing Brokers.
Listing information is deemed reliable, but not guaranteed.
Copyright 2026 Northern Kentucky Multiple Listing Service, Inc. All rights reserved.
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