10140 W State Rte 185, Covington, OH 45318 Property Records

Miami County property record for 10140 W State Rte 185, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,792 sqft · built 1920
Lot Size	5.07 acres (220,849 sqft)
Owner	Individual Name on File
Last Sale	$230,000 (Sep 2019)
Tax Bill	$3,163 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jan 2019 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H16-014705`

Property Details

APN / Parcel Number

Primary APN	`H16-014705`
Alternative APNs	`090411.0-01-014-00` `H16NB011 01000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,792 sqft Living Area
1st Floor Area	3,536 sqft
Upper Floors Area	1,024 sqft
Basement Area	1,176 sqft
Unfinished Basement	516 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	220,849 sqft (5.07 acres)
Garage Type	Mixed
Garage Area	1,848 sqft
Parking Spaces	7 Parking Spaces
Porch	Slab
Porch Area	568 sqft
Patio Area	1,034 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	10140 W STATE ROUTE 185
City	COVINGTON
State	OH
Zip	45318-9615
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-9-11 PT NE PT SE
Legal Range	04
Legal Township	09
Legal Section	11
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1054
Census Tract	320100

Owner

10140 W State Rte 185 is owned and occupied by an individual who acquired it in January 2024.

Source: Miami County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	10140 W STATE ROUTE 185, COVINGTON, OH 45318-9615
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
Jan 3, 2024	Transfer on Death Deed, Transfer
Jan 28, 2019	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Oct 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE FEDERAL
Sep 6, 2019	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 6, 2019 · Amount on File
Deed Sale	Sep 6, 2019 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	20192019OR-10384
Last Transfer Date	Jan 2, 2024
Transfer Doc	0000000068
Record Updated	Sep 20, 2026

January 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 3, 2024
Property Address	10140 W STATE ROUTE 185, COVINGTON, OH 45318-9615
Document Number	0000000068
Instrument Date	Dec 28, 2023
Instrument	2024OR-00068
Transaction Type	Transfer
Record Updated	Jan 16, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	10140 W STATE ROUTE 185, COVINGTON, OH 45318-9615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000000977
Date	Jan 28, 2019
Instrument	2019OR-00977

Lender

Name	PNC BANK NA
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	10140 W STATE ROUTE 185, COVINGTON, OH 45318-9615
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000014333
Date	Oct 2, 2020
Instrument	2020OR-14333

Lender

Name	GREENVILLE FEDERAL
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 6, 2019
Property Address	10140 W STATE ROUTE 185, COVINGTON, OH 45318-9615
Document Number	0000010384
Instrument Date	Sep 3, 2019
Instrument	2019OR-10384
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	1140 W STATE ROUTE 185, COVINGTON, OH 45318

Mortgage

Document Number	0000010385
Date	Sep 6, 2019
Instrument	2019OR-10385

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 10140 W State Rte 185 was $3,163 with a homeowner's exemption, up 11.5% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newberry Township
Unified School District	Bradford Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,163.00 (+11.49%) Homeowner's exemption	$114,350 (+32.64%) Land $27,130 Building $87,220	$326,700 Land $77,500 Building $249,200
2024	$2,837.00 (+2.23%) Homeowner's exemption	$86,210 (-) Land $25,590 Building $60,620
2023	$2,775.00 (-3.48%) Homeowner's exemption	$86,210 (-) Land $25,590 Building $60,620	$246,300 (-) Land $73,100 Building $173,200
2022	$2,875.00 Homeowner's exemption	$86,210 Land $25,590 Building $60,620	$246,300 Land $73,100 Building $173,200

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 10140 W State Rte 185 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

Wildfire risk around 10140 W State Rte 185 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 98% of the US · lower than 90% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Windstream Fixed Wireless	100 / 10
Skymesh Fixed Wireless	50 / 10

Cell Coverage

5G (outdoors only) and 4G LTE

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