218 N Wall St, Covington, OH 45318 Property Records

Miami County property record for 218 N Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,152 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Aug 2017)
Tax Bill	$2,229 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Mar 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-004000`

Property Details

APN / Parcel Number

Primary APN	`H19-004000`
Alternative APNs	`080529.2-10-008-00` `H19NH059 00300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,152 sqft Living Area
1st Floor Area	2,464 sqft
Upper Floors Area	920 sqft
Basement Area	1,064 sqft
Unfinished Basement	1,064 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	117 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	474 sqft
Patio Area	104 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	218 N WALL ST
City	COVINGTON
State	OH
Zip	45318-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 284 75
Legal Subdivision	FACE AND DODDS ADDITION
Legal Lot Number	284
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2011
Census Tract	325000

Owner

218 N Wall St is owned and occupied by an individual who bought it in August 2017.

Source: Miami County records, as of October 9, 2026

Owner of Record	Individual Name on File
Mailing Address	218 N WALL ST, COVINGTON, OH 45318-1642
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

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Mar 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
May 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Aug 1, 2017	Warranty Deed, Transfer · FHA Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2017 · Amount on File
Deed Sale	Aug 1, 2017 · Amount on File
Prior Sale	Apr 1, 2004 · Amount on File
Deed Document Number	2017OR-09356
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Sep 29, 2026
Property Address	218 N WALL ST, COVINGTON, OH 45318-1642
Document Number	0000012316
Instrument Date	Sep 12, 2026
Instrument	202612316
Transaction Type	Mortgage
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 N WALL ST, COVINGTON, OH 45318-1642

Mortgage

Document Number	0000012316,
Date	Sep 29, 2026
Instrument	202612316

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 27, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	218 N WALL ST, COVINGTON, OH 45318-1642
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000003333
Date	Mar 2, 2022
Instrument	2022OR-03333

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	170 Months
Due	May 1, 2036

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	218 N WALL ST, COVINGTON, OH 45318-1642
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009090
Date	May 24, 2021
Instrument	2021OR-09090

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 1, 2036

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 1, 2017
Property Address	218 N WALL ST, COVINGTON, OH 45318-1642
Document Number	0000009356
Map Reference	PL 1 PG 229
Instrument Date	Jul 31, 2017
Instrument	2017OR-09356
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$230.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	218 N WALL ST, COVINGTON, OH 45318-1642

Mortgage

Document Number	0000009357
Date	Aug 1, 2017
Instrument	2017OR-09357

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45227

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 218 N Wall St was $2,229 with a homeowner's exemption, up 1% 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	$2,229.00 (+10.02%) Homeowner's exemption	$73,820 (+36.4%) Land $11,240 Building $62,580	$210,900 Land $32,100 Building $178,800
2024	$2,026.00 (+3.79%) Homeowner's exemption	$54,120 (-) Land $12,150 Building $41,970
2023	$1,952.00 (-3.41%) Homeowner's exemption	$54,120 (-) Land $12,150 Building $41,970	$154,600 (-) Land $34,700 Building $119,900
2022	$2,021.00 Homeowner's exemption	$54,120 Land $12,150 Building $41,970	$154,600 Land $34,700 Building $119,900

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

FEMA maps place 218 N Wall St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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

The area around 218 N Wall St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Nearby Properties on N Wall St

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