1045 Leonard Rd, Covington, OH 45318 Property Records

Miami County property record for 1045 Leonard Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,399 sqft · built 1969
Lot Size	0.717 acres (31,233 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Apr 2020)
Tax Bill	$2,419 (2025)
Deeds & Mortgages	Apr 2020 Sale & Line of Credit May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`I20-047820`

Property Details

APN / Parcel Number

Primary APN	`I20-047820`
Alternative APNs	`080413.0-01-012-00` `I20NT015 00900`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,399 sqft Living Area
1st Floor Area	2,798 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	31,233 sqft (0.717 acres)
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Patio Area	480 sqft
Shed	1 Shed
Shed Area	240 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1045 LEONARD RD
City	COVINGTON
State	OH
Zip	45318-9717
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-13 S CEN PT SW
Legal Range	04
Legal Township	08
Legal Section	13
Legal Subdivision	NEWTON
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1030
Census Tract	330100

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1045 LEONARD RD, COVINGTON, OH 45318-9717
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 23, 2020	Warranty Deed, Transfer · Line of Credit MINSTER BANK
May 24, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2020 · Amount on Record
Deed Sale	Apr 23, 2020 · Amount on Record
Prior Sale	May 24, 2019 · Amount on Record
Deed Document Number	20202020OR-05124
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 23, 2020
Property Address	1045 LEONARD RD, COVINGTON, OH 45318-9717
Document Number	0000005124
Instrument Date	Apr 22, 2020
Instrument	2020OR-05124
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
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
Address	1045 LEONARD RD, COVINGTON, OH 45318-9717

Mortgage

Document Number	0000005125
Date	Apr 23, 2020
Instrument	2020OR-05125

Lender

Name	MINSTER BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 24, 2019
Property Address	1045 LEONARD RD, COVINGTON, OH 45318-9717
Document Number	0000005486
Instrument Date	May 23, 2019
Instrument	5486
Transaction Type	Transfer
Record Updated	Jun 12, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$298.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	4485 MONROE CONCORD RD TROY OH 453739516, TROY, OH 45373-9516

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newton Township
Unified School District	Newton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,419.00 (+23.17%) Homeowner's exemption	$74,350 (+38.66%) Land $11,660 Building $62,690	$212,400 (+38.64%) Land $33,300 Building $179,100
2024	$1,964.00 (+2.13%) Homeowner's exemption	$53,620 (-) Land $8,400 Building $45,220
2023	$1,923.00 (-3.61%) Homeowner's exemption	$53,620 (-) Land $8,400 Building $45,220	$153,200 (-) Land $24,000 Building $129,200
2022	$1,995.00 Homeowner's exemption	$53,620 Land $8,400 Building $45,220	$153,200 Land $24,000 Building $129,200

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

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	3 (2005–2013)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2013 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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	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 15 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
Skymesh Fixed Wireless	50 / 10
Windstream Fixed Wireless · DSL in parts of the area	50 / 5
AT&T Fixed Wireless	25 / 3

May also be available: altafiber Network Solutions.

Nearby Properties on Leonard Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures