221 S Grant St, Covington, OH 45318 Property Records

Miami County property record for 221 S Grant St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,428 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$92,000 (Mar 2015)
Tax Bill	$1,847 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-007680`

Property Details

APN / Parcel Number

Primary APN	`H19-007680`
Alternative APNs	`080529.3-19-002-00` `H19SH018 00200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,428 sqft Living Area
1st Floor Area	2,072 sqft
Upper Floors Area	392 sqft
Basement Area	336 sqft
Unfinished Basement	336 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1994
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 51 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	160 sqft
Patio Area	64 sqft
Canopy	262 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	221 S GRANT ST
City	COVINGTON
State	OH
Zip	45318-1568
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 655 50 1/2
Legal Subdivision	VILLAGE & COVINGTON
Legal Lot Number	655
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2044
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	Individual Name on Record
Mailing Address	221 S GRANT ST, COVINGTON, OH 45318-1568
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 19, 2026	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 5, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 20, 2015 · Amount on Record
Deed Sale	Mar 20, 2015 · Amount on Record
Prior Sale	Jul 13, 2004 · Amount on Record
Deed Document Number	2015OR-03088
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	221 S GRANT ST, COVINGTON, OH 45318-1568
Transaction Type	Mortgage
Record Updated	Mar 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 S GRANT ST, COVINGTON, OH 45318-1568

Mortgage

Document Number	0000001903
Date	Feb 19, 2026
Instrument	2026OR-01903

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	951 W YAMATO RD STE 175, BOCA RATON, FL 33431

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Apr 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	6.25%
Index	1-Year CMT

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	221 S GRANT ST, COVINGTON, OH 45318-1568
Transaction Type	Mortgage
Record Updated	Aug 18, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013626
Date	Aug 5, 2021
Instrument	2021OR-13626

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2051

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	$1,847.00 (+3.94%) Homeowner's exemption	$61,150 (+28.85%) Land $9,000 Building $52,150	$174,700 (+28.83%) Land $25,700 Building $149,000
2024	$1,777.00 (+3.8%) Homeowner's exemption	$47,460 (-) Land $9,730 Building $37,730
2023	$1,712.00 (-3.39%) Homeowner's exemption	$47,460 (-) Land $9,730 Building $37,730	$135,600 (-) Land $27,800 Building $107,800
2022	$1,772.00 Homeowner's exemption	$47,460 Land $9,730 Building $37,730	$135,600 Land $27,800 Building $107,800

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 A, 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	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

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