120 Regency Ct, #121, Covington, OH 45318 Property Records

Miami County property record for 120 Regency Ct, #121, Covington, OH 45318

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,150 sqft · built 1978
Lot Size	0.269 acres (11,731 sqft)
Owner	Individual Name on Record
Last Sale	$56,000 (Jun 1987)
Tax Bill	$2,189 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H19-011496`

Property Details

APN / Parcel Number

Primary APN	`H19-011496`
Alternative APNs	`080532.2-03-011-00` `H19SH083 02800`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	1 Story
Building Area	2,150 sqft Total Area
1st Floor Area	4,300 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 2000
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	11,731 sqft (0.269 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	288 sqft
Deck Area	Deck Area
Patio Area	125 sqft
Canopy	66 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	120 REGENCY CT, 121
City	COVINGTON
State	OH
Zip	45318-1249
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	IL 1212 49.00'
Legal Subdivision	REGENCY CENTER SUBDIVISION
Legal Lot Number	1212
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2050
Census Tract	325000

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	120 REGENCY CT, 121, COVINGTON, OH 45318-1249
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Sep 17, 2021	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 1987 · Amount on Record
Deed Sale	Jun 1, 1987 · Amount on Record
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	120-121 REGENCY CT, COVINGTON, OH 45318
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 REGENCY CT, COVINGTON, OH 45318-1249

Mortgage

Document Number	0000015095
Date	Oct 17, 2022
Instrument	2022OR-15095

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	BRADFORD, OH 45308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 6, 2052

Interest

Rate Type	Adjustable Rate

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	120-121 REGENCY CT, COVINGTON, OH 45318
Transaction Type	Mortgage
Record Updated	Oct 15, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 REGENCY CT, COVINGTON, OH 45318-1249

Mortgage

Document Number	0000016337
Date	Sep 17, 2021
Instrument	2021OR-16337

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	BRADFORD, OH 45308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Sep 10, 2022

Tax Assessment & Valuation

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

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	$2,189.00 (+7.73%) Homeowner's exemption	$71,580 (+40.05%) Land $8,820 Building $62,760	$204,500 (+40.07%) Land $25,200 Building $179,300
2024	$2,032.00 (+8.95%) Homeowner's exemption	$51,110 (-) Land $9,560 Building $41,550
2023	$1,865.00 (-3.42%) Homeowner's exemption	$51,110 (-) Land $9,560 Building $41,550	$146,000 (-) Land $27,300 Building $118,700
2022	$1,931.00 Homeowner's exemption	$51,110 Land $9,560 Building $41,550	$146,000 Land $27,300 Building $118,700

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 94 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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