21 W Bridge St, Covington, OH 45318 Property Records

Miami County property record for 21 W Bridge St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,044 sqft · built 1920
Lot Size	0.36 acres (15,682 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Feb 2023)
Tax Bill	$1,820 (2025)
Deeds & Mortgages	Jan 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-002350`

Property Details

APN / Parcel Number

Primary APN	`H19-002350`
Alternative APNs	`080530.4-08-009-00` `H19SH003 00900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,044 sqft Living Area
1st Floor Area	1,044 sqft
Basement Area	522 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	15,682 sqft (0.36 acres)
Lot Dimensions	120 ft deep x 131 ft wide
Garage Type	Detached
Garage Area	496 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19SH003 00900
Street Address	21 W BRIDGE ST
City	COVINGTON
State	OH
Zip	45318-1101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 138 821/2 IN LOT 137 48.5' N PT
Legal Subdivision	COVINGTON
Legal Lot Number	138
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2058
Census Tract	325000

Owner

Source: Miami County records, as of March 5, 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
Co-owner	Co-owner on Record
Mailing Address	21 W BRIDGE ST, COVINGTON, OH 45318-1101
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 15, 2023 · Amount on Record
Deed Sale	Feb 15, 2023 · Amount on Record
Prior Sale	Jan 26, 2022 · Amount on Record
Deed Document Number	2023OR-01624
Record Updated	Jun 8, 2026

January 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 26, 2022
Property Address	21 W BRIDGE ST, COVINGTON, OH 45318-1101
Document Number	0000001413
Map Reference	VOL 13 PL 42
Instrument Date	Jan 24, 2022
Instrument	2022OR-01413
Transaction Type	Transfer
Record Updated	Mar 1, 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	Right of Survivorship
Address	21 W BRIDGE ST, COVINGTON, OH 45318-1101

Mortgage

Document Number	0000001414
Date	Jan 26, 2022
Instrument	2022OR-01414

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

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	$1,820.00 (+45.14%) Homeowner's exemption	$55,720 (+66.33%) Land $12,810 Building $42,910	$159,200 (+66.35%) Land $36,600 Building $122,600
2024	$1,254.00 (+3.81%) Homeowner's exemption	$33,500 (-) Land $13,900 Building $19,600
2023	$1,208.00 (-3.44%) Homeowner's exemption	$33,500 (-) Land $13,900 Building $19,600	$95,700 (-) Land $39,700 Building $56,000
2022	$1,251.00 Homeowner's exemption	$33,500 Land $13,900 Building $19,600	$95,700 Land $39,700 Building $56,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 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	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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