221 S High St, Covington, OH 45318 Property Records

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

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 840 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (May 2026)
Tax Bill	$1,192 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Nov 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-002260`

Property Details

APN / Parcel Number

Primary APN	`H19-002260`
Alternative APNs	`080530.4-08-005-00` `H19SH003 00500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	840 sqft Living Area
1st Floor Area	1,680 sqft
Basement Area	420 sqft
Unfinished Basement	420 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 48 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	221 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 129 48X132 N PT
Legal Subdivision	VILLAGE COVINGTON
Legal Lot Number	129
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2058
Census Tract	325000

Owner

Source: Miami County records, as of June 3, 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 HIGH ST, COVINGTON, OH 45318-1162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Nov 23, 2020	Deed of Trust, Mortgage · Line of Credit THE COVINGTON SLA
Sep 16, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Prior Sale	Sep 16, 2020 · Amount on Record
Deed Document Number	20266050
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 20, 2026
Property Address	221 S HIGH ST, COVINGTON, OH 45318-1162
Document Number	0000006050
Instrument Date	May 1, 2026
Instrument	20266050
Transaction Type	Transfer
Record Updated	Jun 3, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,190.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	221 S HIGH ST, COVINGTON, OH 45318-1162

Mortgage

Document Number	0000006051,
Date	May 20, 2026
Instrument	20266051

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	221 S HIGH ST, COVINGTON, OH 45318-1162
Transaction Type	Mortgage
Record Updated	Apr 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6163 W STATE ROUTE 185, PIQUA, OH 45356-9390

Mortgage

Document Number	0000017555
Date	Nov 23, 2020
Instrument	2020OR-17555

Lender

Name	THE COVINGTON SLA
Type	Bank
Address	COVINGTON, OH 45318

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2030

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 16, 2020
Property Address	221 S HIGH ST, COVINGTON, OH 45318-1162
Document Number	0000013203
Instrument Date	Sep 15, 2020
Instrument	13203
Transaction Type	Transfer
Record Updated	Oct 16, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$94.00
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	6163 W STATE ROUTE 185 PIQUA OH 453569390, PIQUA, OH 45356-9390

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	$1,192.00 (+18.37%)	$35,700 (+35.79%) Land $8,470 Building $27,230	$102,000 (+35.82%) Land $24,200 Building $77,800
2024	$1,007.00 (+3.81%)	$26,290 (-) Land $9,210 Building $17,080
2023	$970.00 (-3.39%)	$26,290 (-) Land $9,210 Building $17,080	$75,100 (-) Land $26,300 Building $48,800
2022	$1,004.00	$26,290 Land $9,210 Building $17,080	$75,100 Land $26,300 Building $48,800

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

Nearby Properties on S High St

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