121 S Wall St, Covington, OH 45318 Property Records

Miami County property record for 121 S Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,601 sqft · built 1920
Lot Size	0.139 acres (6,098 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Jun 2020)
Tax Bill	$1,449 (2025)
Deeds & Mortgages	Jun 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-002790`

Property Details

APN / Parcel Number

Primary APN	`H19-002790`
Alternative APNs	`080529.3-14-001-00` `H19SH012 00100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,601 sqft Living Area
1st Floor Area	896 sqft
2nd Floor Area	705 sqft
Upper Floors Area	705 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,098 sqft (0.139 acres)
Lot Dimensions	126 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	304 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19SH012 00100
Street Address	121 S WALL ST
City	COVINGTON
State	OH
Zip	45318-1554
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 171 48.5 S PT
Legal Subdivision	VILLAGE/COVINGTON
Legal Lot Number	171
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2031
Census Tract	325000

Owner

Source: Miami County assessment roll, as of January 1, 2025

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

Owner of Record	2 Individual Names on File
Mailing Address	121 S WALL ST, COVINGTON, OH 45318-1554
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 24, 2020 · Amount on Record
Deed Sale	Jun 24, 2020 · Amount on Record
Prior Sale	Sep 20, 2010
Deed Document Number	1125
Record Updated	Jun 8, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 24, 2020
Property Address	121 S WALL ST, COVINGTON, OH 45318-1554
Document Number	0000008282
Instrument Date	Jun 10, 2020
Instrument	8282
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$270.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	121 S WALL ST COVINGTON OH 453181554, COVINGTON, OH 45318-1554

Mortgage

Document Number	8283
Date	Jun 24, 2020
Instrument	8283

Lender

Name	DAY AIR CU
Type	Credit Union
Address	KETTERING, OH 45429

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 2050

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$1,449.00 (+7.65%) Homeowner's exemption	$44,390 (+23.48%) Land $8,300 Building $36,090	$126,800 (+23.47%) Land $23,700 Building $103,100
2024	$1,346.00 (+3.78%) Homeowner's exemption	$35,950 (-) Land $9,000 Building $26,950
2023	$1,297.00 (-3.43%) Homeowner's exemption	$35,950 (-) Land $9,000 Building $26,950	$102,700 (-) Land $25,700 Building $77,000
2022	$1,343.00 Homeowner's exemption	$35,950 Land $9,000 Building $26,950	$102,700 Land $25,700 Building $77,000

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	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

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

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

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Wall St

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