198 S Wall St, Covington, OH 45318 Property Records

Miami County property record for 198 S Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,547 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on Record
Last Sale	$149,500 (Aug 2023)
Tax Bill	$1,642 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage May 2023 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-002890`

Property Details

APN / Parcel Number

Primary APN	`H19-002890`
Alternative APNs	`080529.3-13-008-00` `H19SH019 01400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,547 sqft Living Area
1st Floor Area	1,806 sqft
Upper Floors Area	644 sqft
Basement Area	854 sqft
Unfinished Basement	644 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	307 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	198 S WALL ST
City	COVINGTON
State	OH
Zip	45318-1555
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 178 821/2
Legal Subdivision	SHUMANS ADD
Legal Lot Number	178
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2042
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	2 Individual Names on Record
Mailing Address	198 S WALL ST, COVINGTON, OH 45318-1555
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 22, 2023	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
May 22, 2023	Affidavit of Death of Joint Tenant, Transfer
May 16, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK
Apr 26, 2017	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BK/WSTN OH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2023 · Amount on Record
Deed Sale	Aug 22, 2023 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	20239177
Prior Transfer Date	May 19, 2023
Prior Transfer Doc	0000005357
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 22, 2023
Property Address	198 S WALL ST, COVINGTON, OH 45318-1555
Document Number	0000009177
Instrument Date	Aug 18, 2023
Instrument	2023OR-09177
Transaction Type	Transfer
Record Updated	Sep 4, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
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	198 S WALL ST, COVINGTON, OH 45318-1555

Mortgage

Document Number	0000009178
Date	Aug 22, 2023
Instrument	2023OR-09178

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2053

May 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	May 22, 2023
Property Address	198 S WALL ST, COVINGTON, OH 45318-1555
Document Number	0000005357
Instrument Date	May 17, 2023
Instrument	2023OR-05357
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1453 W ROSEMONT AVE # 3, 3, CHICAGO, IL 60660-0156

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	198 S WALL ST, COVINGTON, OH 45318-1555
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005833
Date	May 16, 2017
Instrument	2017OR-05833

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	120 Months
Due	May 1, 2027

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	198 S WALL ST, COVINGTON, OH 45318-1555
Document Number	0000005834
Instrument Date	Apr 26, 2017
Transaction Type	Mortgage
Record Updated	Jan 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	198 S WALL ST COVINGTON OH 453181555, COVINGTON, OH 45318-1555

Mortgage

Document Number	0000005834
Date	May 16, 2017
Instrument	5834

Lender

Name	FIFTH THIRD BK/WSTN OH
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 15, 2047

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	$1,642.00 (+7.81%) Homeowner's exemption	$54,360 (+33.66%) Land $12,600 Building $41,760	$155,300 (+33.65%) Land $36,000 Building $119,300
2024	$1,523.00 (+33.25%) Homeowner's exemption	$40,670 (-) Land $13,650 Building $27,020
2023	$1,143.00 (-4.67%) Homeowner's exemption	$40,670 (-) Land $13,650 Building $27,020	$116,200 (-) Land $39,000 Building $77,200
2022	$1,199.00 Homeowner's exemption	$40,670 Land $13,650 Building $27,020	$116,200 Land $39,000 Building $77,200

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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