181 W Park St, Covington, OH 45318 Property Records

Miami County property record for 181 W Park St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,277 sqft · built 1967
Lot Size	0.395 acres (17,206 sqft)
Owner	2 Individual Names on File
Last Sale	$76,500 (May 2002)
Tax Bill	$3,820 (2025)
Deeds & Mortgages	Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-006160`

Property Details

APN / Parcel Number

Primary APN	`H19-006160`
Alternative APNs	`080530.1-02-001-00` `H19NH033 00100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,277 sqft Living Area
1st Floor Area	4,554 sqft
Basement Area	2,277 sqft
Unfinished Basement	2,277 sqft
Family Room	Family Room

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	17,206 sqft (0.395 acres)
Lot Dimensions	132 ft deep x 131 ft wide
Garage Area	945 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	907 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	181 W PARK ST
City	COVINGTON
State	OH
Zip	45318-1437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PTS IN LOTS 491,492,493 130.50X132
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	491-493
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1011
Census Tract	325000

Owner

181 W Park St is owned and occupied by two individuals who bought it in May 2002.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	181 W PARK ST, COVINGTON, OH 45318-1437
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 2, 2002 · Amount on File
Deed Sale	May 2, 2002 · Amount on File
Prior Sale	Jan 1, 1990
Record Updated	Oct 29, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Apr 28, 2026
Property Address	181 W PARK ST, COVINGTON, OH 45318-1437
Document Number	0000004984
Instrument Date	Apr 21, 2026
Instrument	20264984
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	181 W PARK ST, COVINGTON, OH 45318-1437

Mortgage

Document Number	0000004984,
Date	Apr 28, 2026
Instrument	20264984

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 181 W Park St was $3,820 with a homeowner's exemption, up 11.7% from the year before.

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	$3,820.00 (+11.66%) Homeowner's exemption	$126,490 (+38.47%) Land $16,800 Building $109,690	$361,400 Land $48,000 Building $313,400
2024	$3,421.00 (+3.79%) Homeowner's exemption	$91,350 (-) Land $18,200 Building $73,150
2023	$3,296.00 (-3.4%) Homeowner's exemption	$91,350 (-) Land $18,200 Building $73,150	$261,000 (-) Land $52,000 Building $209,000
2022	$3,412.00 Homeowner's exemption	$91,350 Land $18,200 Building $73,150	$261,000 Land $52,000 Building $209,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 181 W Park St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 181 W Park St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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 205 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	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on W Park St

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