Miami County property record for 114 S Wall St, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,744 sqft · built 1890 |
| Lot Size | 0.289 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $145,000 (Jul 2019) |
| Tax Bill | $2,410 (2025) |
| Deeds & Mortgages | Nov 2020 Mortgage Jul 2019 Sale & Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-002880 |
| Primary APN | H19-002880 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,744 sqft Living Area |
| 1st Floor Area | 1,264 sqft |
| 2nd Floor Area | 480 sqft |
| Upper Floors Area | 480 sqft |
| Basement Area | 436 sqft |
| Family Room | Family Room |
| Year Built | Built 1890 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 12,632 sqft (0.289 acres) |
| Lot Dimensions | 132 ft deep x 97 ft wide |
| Garage Type | Detached |
| Garage Area | 625 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 320 sqft |
| Deck Area | 128 sqft |
| Patio Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | H19SH019 01300 |
|---|---|
| Street Address | 114 S WALL ST |
| City | COVINGTON |
| State | OH |
| Zip | 45318-1555 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 177 97 |
| Legal Subdivision | JR SHUMANS ADD |
| Legal Lot Number | 177 97 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-002880
Assessment roll updated January 1, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 114 S WALL ST, COVINGTON, OH 45318-1555 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 11, 2019 | Warranty Deed, Transfer · Line of Credit AMERICAN MORTGAGE SERVICE CO |
| May 20, 2019 | Warranty Deed, Transfer ATTORNEY ONLY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 11, 2019 · Amount on Record |
| Deed Sale | Jul 11, 2019 · Amount on Record |
| Prior Sale | May 20, 2019 |
| Deed Document Number | 1355 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 114 S WALL ST, COVINGTON, OH 45318-1555 |
| Transaction Type | Mortgage |
| Record Updated | Apr 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000017675 |
|---|---|
| Date | Nov 24, 2020 |
| Instrument | 2020OR-17675 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Jul 11, 2019 |
| Property Address | 114 S WALL ST, COVINGTON, OH 45318-1555 |
| Document Number | 0000007534 |
| Instrument Date | Jun 21, 2019 |
| Instrument | 2019OR-07534 |
| Transaction Type | Transfer |
| Record Updated | Feb 17, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 S WALL ST, COVINGTON, OH 45318-1555 |
| Investor | Possibly a Property Investor |
| Document Number | 0000007535 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 2019OR-07535 |
| Name | AMERICAN MORTGAGE SERVICE CO |
|---|---|
| Type | Mortgage Company |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | May 20, 2019 |
| Property Address | 114 S WALL ST, COVINGTON, OH 45318-1555 |
| Document Number | 0000005267 |
| Instrument Date | May 17, 2019 |
| Instrument | 5267 |
| Transaction Type | Transfer |
| Record Updated | Jun 05, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 114 S WALL ST COVINGTON OH 453181555, COVINGTON, OH 45318-1555 |
Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,410.00 (+1%) Homeowner's exemption | $73,860 (+26.21%) Land $13,830 Building $60,030 | $211,000 (+26.2%) Land $39,500 Building $171,500 |
| 2024 | $2,191.00 (+3.79%) Homeowner's exemption | $58,520 (-) Land $14,980 Building $43,540 | |
| 2023 | $2,111.00 (-3.43%) Homeowner's exemption | $58,520 (-) Land $14,980 Building $43,540 | $167,200 (-) Land $42,800 Building $124,400 |
| 2022 | $2,186.00 Homeowner's exemption | $58,520 Land $14,980 Building $43,540 | $167,200 Land $42,800 Building $124,400 |
Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 532 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COVINGTON VILLAGE PWS serves 2,718 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2024 |
| Lead | Under 1 ppb (2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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