16 N Wall St, Covington, OH 45318 Property Records

Miami County property record for 16 N Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,471 sqft · built 1920
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (May 2015)
Tax Bill	$1,925 (2025)
Deeds & Mortgages	Mar 2018 Loan Modification Mar 2018 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`H19-006350`

Property Details

APN / Parcel Number

Primary APN	`H19-006350`
Alternative APNs	`080529.2-12-005-00` `H19NH020 00900`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,471 sqft Living Area
1st Floor Area	2,838 sqft
Upper Floors Area	1,052 sqft
Basement Area	1,052 sqft
Unfinished Basement	1,052 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,098 sqft (0.14 acres)
Lot Dimensions	120 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	368 sqft
Deck Area	296 sqft
Patio Area	296 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	16 N WALL ST
City	COVINGTON
State	OH
Zip	45318-1638
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 513 50
Legal Lot Number	513
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2034
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	16 N WALL ST, COVINGTON, OH 45318-1638
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS
Mar 1, 2018	Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2015 · Amount on Record
Deed Sale	May 6, 2015 · Amount on Record
Prior Sale	Sep 30, 2008 · Amount on Record
Deed Document Number	2015OR-05294
Record Updated	Oct 29, 2026

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	16 N WALL ST, COVINGTON, OH 45318-1638
Document Number	0000003537
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Apr 13, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 N WALL ST COVINGTON OH 453181638, COVINGTON, OH 45318-1638

Mortgage

Document Number	0000003537
Date	Mar 27, 2018
Instrument	3537

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 26, 2048

March 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	16 N WALL ST, COVINGTON, OH 45318-1638
Document Number	0000013226
Instrument Date	Mar 1, 2018
Transaction Type	Mortgage
Record Updated	Oct 16, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 N WALL ST COVINGTON OH 453181638, COVINGTON, OH 45318-1638

Mortgage

Document Number	0000013226
Date	Sep 16, 2020
Instrument	13226

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 15, 2045

Interest

Rate Type	Fixed Rate
Rate	4.37%

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	$1,925.00 (+13.77%) Homeowner's exemption	$63,740 (+41.05%) Land $8,400 Building $55,340	$182,100 (+41.05%) Land $24,000 Building $158,100
2024	$1,692.00 (+3.8%) Homeowner's exemption	$45,190 (-) Land $9,100 Building $36,090
2023	$1,630.00 (-3.44%) Homeowner's exemption	$45,190 (-) Land $9,100 Building $36,090	$129,100 (-) Land $26,000 Building $103,100
2022	$1,688.00 Homeowner's exemption	$45,190 Land $9,100 Building $36,090	$129,100 Land $26,000 Building $103,100

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

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

Provider	Max Down / Up (Mbps)
Windstream Fiber · DSL in parts of the area	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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