10 N High St, Covington, OH 45318 Property Records

Miami County property record for 10 N High St, Covington, OH 45318

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	5,684 sqft · built 1912
Lot Size	0.194 acres (8,494 sqft)
Owner	Company Name on Record
Last Sale	$105,000 (Dec 2019)
Tax Bill	$4,199 (2025)
Deeds & Mortgages	May 2020 Line of Credit Jun 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-000810`

Property Details

APN / Parcel Number

Primary APN	`H19-000810`
Alternative APNs	`080529.2-07-008-00` `H19NH014 01400`

Interior

Stories	1 Story
Building Area	5,684 sqft Total Area

Exterior

Year Built	Built 1912
Effective Year Built	Effective 2021
Fire Resistance	Wood or Wood & Steel Frame
Lot Area	8,494 sqft (0.194 acres)
Lot Dimensions	132 ft deep x 64.2 ft wide
Porch	Open Porch
Storage Building	3,542 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19NH014 01400
Street Address	10 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1344
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	IL 1347
Legal Lot Number	1347
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2020
Census Tract	325000

Owner

Source: Miami County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	10 N HIGH ST, COVINGTON, OH 45318-1344
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
May 29, 2020	Deed of Trust, Mortgage · Line of Credit GREENVILLE FED'L
Jun 1, 2020	Deed of Trust, Construction Loan · Line of Credit GREENVILLE FED'L
Dec 4, 2019	Warranty Deed, Transfer ATTORNEY ONLY
Apr 1, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 4, 2019 · Amount on Record
Deed Sale	Dec 4, 2019 · Amount on Record
Prior Sale	Apr 1, 2019 · Amount on Record
Deed Document Number	2587
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	10 N HIGH ST, COVINGTON, OH 45318-1344
Document Number	0000007000
Instrument Date	May 29, 2020
Transaction Type	Mortgage
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 CROSBY ST COVINGTON OH 453181585, COVINGTON, OH 45318-1585

Mortgage

Document Number	0000007000
Date	Jun 1, 2020
Instrument	7000

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	690 WAGNER AVE, GREENVILLE, OH 45331-2649

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

June 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Jun 1, 2020
Property Address	10 N HIGH ST, COVINGTON, OH 45318-1344
Document Number	0000006993
Instrument Date	May 29, 2020
Instrument	6993
Transaction Type	Construction Loan
Record Updated	Jul 16, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	111 CROSBY ST COVINGTON OH 453181585, COVINGTON, OH 45318-1585

Mortgage

Document Number	0000006993
Date	Jun 1, 2020
Instrument	6993

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	690 WAGNER AVE, GREENVILLE, OH 45331-2649

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 4, 2019
Property Address	10 N HIGH ST, COVINGTON, OH 45318-1344
Document Number	0000014565
Instrument Date	Nov 26, 2019
Instrument	14565
Transaction Type	Transfer
Record Updated	Dec 27, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$210.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	25 E WRIGHT ST COVINGTON OH 453181613, COVINGTON, OH 45318-1613

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 1, 2019
Property Address	10 N HIGH ST, COVINGTON, OH 45318-1344
Document Number	0000003294
Instrument Date	Mar 26, 2019
Instrument	3294
Transaction Type	Transfer
Record Updated	Apr 16, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$210.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	10 N HIGH ST COVINGTON OH 453181306, COVINGTON, OH 45318-1306

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,199.00 (-15.56%)	$99,020 (+1.51%) Land $11,310 Building $87,710	$282,900 (+1.51%) Land $32,300 Building $250,600
2024	$4,973.00 (+1.86%)	$97,550 (-) Land $9,420 Building $88,130
2023	$4,882.00 (-4.27%)	$97,550 (-) Land $9,420 Building $88,130	$278,700 (-) Land $26,900 Building $251,800
2022	$5,100.00	$97,550 Land $9,420 Building $88,130	$278,700 Land $26,900 Building $251,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 10, 2023 · 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 Policies	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2017 · 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

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	COVINGTON VILLAGE PWS serves 2,718 people · EPA ID OH5500112
Water Source	Groundwater
Last State Inspection	Aug 2024
Lead	Under 1 ppb (2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 532 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N High St

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