178 N High St, Covington, OH 45318 Property Records

Miami County property record for 178 N High St, Covington, OH 45318

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 2,242 sqft · built 1920
Lot Size	0.11 acres (4,792 sqft)
Owner	Company Name on Record
Last Sale	$20,000 (Nov 2018)
Tax Bill	$1,365 (2025)
Deeds & Mortgages	Jul 2021 Line of Credit Nov 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-001570`

Property Details

APN / Parcel Number

Primary APN	`H19-001570`
Alternative APNs	`080529.2-06-006-00` `H19NH044 01100`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	7 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,242 sqft Total Area
1st Floor Area	2,242 sqft
Upper Floors Area	1,121 sqft
Basement Area	456 sqft
Unfinished Basement	456 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	4,792 sqft (0.11 acres)
Lot Dimensions	118 ft deep x 40 ft wide

Exterior Amenities

Porch	Slab
Porch Area	280 sqft
Deck Area	165 sqft
Patio Area	165 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	178 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1308
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	IN LOT 80 40 N PT
Legal Lot Number	80
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2013
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	Company Name on Record
Mailing Address	178 N HIGH ST, 180, COVINGTON, OH 45318-1308
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Nov 21, 2018	Warranty Deed, Transfer COVINGTON S&L ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 21, 2018 · Amount on Record
Deed Sale	Nov 21, 2018 · Amount on Record
Deed Document Number	20182018OR-14477
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	178 N HIGH ST, COVINGTON, OH 45318-1308
Transaction Type	Mortgage
Record Updated	Aug 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8139 N STATE ROUTE 48, COVINGTON, OH 45318-9612

Mortgage

Document Number	0000012082
Date	Jul 12, 2021
Instrument	2021OR-12082

Lender

Name	GREENVILLE NATIONAL BANK
Type	Government Agency
Address	ARCANUM, OH 45304

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2036

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 21, 2018
Property Address	178 N HIGH ST, COVINGTON, OH 45318-1308
Document Number	0000014477
Instrument Date	Nov 16, 2018
Instrument	14477
Transaction Type	Transfer
Record Updated	Dec 11, 2018
Title Company	D AND L TITLE COMPANY LLC, D&L TITLE CO LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$40.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	178 N HIGH ST COVINGTON OH 453181308, COVINGTON, OH 45318-1308

Mortgage

Document Number	14478
Date	Nov 21, 2018
Instrument	14478

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	117 N HIGH ST, COVINGTON, OH 45318-1307

Agreement

Amount	Amount Recorded
Term	180 Months
Due	Nov 20, 2033

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	$1,365.00 (+15.58%)	$44,070 (+42.9%) Land $6,650 Building $37,420	$125,900 (+42.91%) Land $19,000 Building $106,900
2024	$1,181.00 (+3.78%)	$30,840 (-) Land $7,180 Building $23,660
2023	$1,138.00 (-3.4%)	$30,840 (-) Land $7,180 Building $23,660	$88,100 (-) Land $20,500 Building $67,600
2022	$1,178.00	$30,840 Land $7,180 Building $23,660	$88,100 Land $20,500 Building $67,600

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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	Low lower than 99.1% of the US · lower than 96% 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.

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

Nearby Properties on N High St

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