Miami County property record for 10120 W Versailles Rd, Covington, OH 45318
| Property Type | Commercial |
|---|---|
| Details | 23,996 sqft · built 1980 |
| Lot Size | 9.06 acres (394,871 sqft) |
| Owner | Company Name on File |
| Last Sale | $38,000 (Nov 1994) |
| Tax Bill | $7,750 (2025) |
| Deeds & Mortgages | Jul 2026 Line of Credit Jul 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H17-000650 |
| Primary APN | H17-000650 |
|---|---|
| Alternative APNs |
|
| Stories | 1 Story |
|---|---|
| Building Area | 23,996 sqft Total Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 2013 |
| Fire Resistance | Special |
| Lot Area | 394,871 sqft (9.06 acres) |
| Canopy | 1,416 sqft |
| Lean-To | 3,840 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | H17NB002 00201 |
|---|---|
| Street Address | 10120 W VERSAILLES RD |
| City | COVINGTON |
| State | OH |
| Zip | 45318-9618 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | 4-9-2 NE COR NE |
| Legal Range | 09 |
| Legal Township | 04 |
| Legal Section | 02 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 320100 |
10120 W Versailles Rd, a commercial property, is owned by a company that bought it in November 1994 and is owner-occupied.
Source: Miami County records, as of March 5, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit PARK NATIONAL BANK |
| Jul 13, 2026 | Deed of Trust, Mortgage · Line of Credit PARK NATIONAL BANK |
| Jul 6, 2020 | Deed of Trust, Mortgage · Line of Credit SECOND NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 15, 1994 · Amount on File |
| Deed Sale | Nov 15, 1994 · Amount on File |
| Deed Document Number | 2325 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 13, 2026 |
| Property Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Document Number | 0000008576 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 20268576 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Document Number | 0000008576, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 20268576 |
| Name | PARK NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 48 Months |
| Due | Jul 6, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 13, 2026 |
| Property Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Document Number | 0000008574 |
| Instrument Date | Jul 6, 2026 |
| Instrument | 20268574 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Document Number | 0000008574, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 20268574 |
| Name | PARK NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 48 Months |
| Due | Jul 6, 2030 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.48% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 10120 W VERSAILLES RD, COVINGTON, OH 45318-9618 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000008940 |
|---|---|
| Date | Jul 6, 2020 |
| Instrument | 2020OR-08940 |
| Name | SECOND NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | GREENVILLE, OH 45331 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 10120 W Versailles Rd was $7,750, up 14% from the year before.
Source: Miami County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Unified School District | Covington Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,750.00 (+13.99%) | $198,770 (+35.83%) Land $31,080 Building $167,690 | $567,900 Land $88,800 Building $479,100 |
| 2024 | $6,799.00 (+3.71%) | $146,340 (-) Land $19,110 Building $127,230 | |
| 2023 | $6,556.00 (-4.82%) | $146,340 (-) Land $19,110 Building $127,230 | $418,100 (-) Land $54,600 Building $363,500 |
| 2022 | $6,888.00 | $146,340 Land $19,110 Building $127,230 | $418,100 Land $54,600 Building $363,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 10120 W Versailles Rd in Zone X, an area of minimal flood risk.
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 | 1 in force |
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 risk around 10120 W Versailles Rd 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 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Watch TV Fixed Wireless | 400 / 40 |
| Skymesh Fixed Wireless | 50 / 10 |
| AT&T Fixed Wireless | 25 / 3 |
May also be available: altafiber Network Solutions, Brightspeed, NKTELCO - Goldstar, Verizon.
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures