224 College St, Covington, OH 45318 Property Records

Miami County property record for 224 College St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,144 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$60,000 (Jan 2019)
Tax Bill	$1,573 (2025)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Aug 2022 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`H19-005660`

Property Details

APN / Parcel Number

Primary APN	`H19-005660`
Alternative APNs	`080529.2-11-005-00` `H19NH061 00100`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,144 sqft Living Area
1st Floor Area	1,456 sqft
Upper Floors Area	416 sqft
Basement Area	312 sqft
Unfinished Basement	312 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	120 ft deep x 60 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	554 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	224 COLLEGE ST
City	COVINGTON
State	OH
Zip	45318-1618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 445 60'
Legal Subdivision	R W HIMES ADDITION
Legal Lot Number	445
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2023
Census Tract	325000

Owner

224 College St is owned and occupied by two individuals who acquired it in June 2020.

Source: Miami County records, as of July 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
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
Dec 15, 2022	Survivorship Deed, Transfer · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Aug 15, 2022	Warranty Deed, Transfer HOME SERVICES TITLE LLC
Aug 15, 2022	Certificate of Transfer, Transfer HOME SERVICES TITLE LLC
Jan 3, 2019	Grant Deed, Transfer SOJOURNERS TITLE AGENCY
Oct 25, 2018	Trustee's Deed, Foreclosure INSIGHT TITLE COMPANY LLC, INSIGHT TITLE CO LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 3, 2019 · Amount on File
Deed Sale	Jan 3, 2019 · Amount on File
Prior Sale	Oct 25, 2018 · Amount on File
Deed Document Number	20192019OR-00143
Last Transfer Date	Jun 17, 2020
Transfer Doc	0000010646
Record Updated	Oct 29, 2026

December 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 15, 2022
Property Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
Document Number	0000017652
Instrument Date	Dec 8, 2022
Instrument	2022OR-17652
Transaction Type	Transfer
Record Updated	Dec 30, 2022
Title Company	WAVE TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	224 COLLEGE ST, COVINGTON, OH 45318-1618

Mortgage

Document Number	0000017653
Date	Dec 15, 2022
Instrument	2022OR-17653

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Jan 1, 2028
Change Frequency	5 Years
Min Rate At Change	3.62%
Max Rate At Change	7.62%
Index	Other
Max Rate	10.6%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 15, 2022
Property Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
Document Number	0000012221
Instrument Date	Aug 12, 2022
Instrument	2022OR-12221
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount 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
Address	3365 ELDEAN RD, COVINGTON, OH 45318-9757

August 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	MIAMI OH
Recording Date	Aug 15, 2022
Property Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
Document Number	0000012182
Instrument Date	Jul 27, 2022
Instrument	2022OR-12182
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	HOME SERVICES TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3429 COUNTY ROAD 25 N, BELLEFONTAINE, OH 43311-9557

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 3, 2019
Property Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
Document Number	0000000143
Instrument Date	Dec 17, 2018
Instrument	143
Transaction Type	Transfer
Record Updated	Jan 21, 2019
Title Company	SOJOURNERS TITLE AGENCY

Transaction

Amount	Amount on Record
Tax	$120.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	301 S MIAMI ST QUINCY OH 433439764, QUINCY, OH 43343-9764

October 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 25, 2018
Property Address	224 COLLEGE ST, COVINGTON, OH 45318-1618
Document Number	0000013063
Instrument Date	Oct 15, 2018
Instrument	13063
Transaction Type	Foreclosure
Record Updated	Nov 12, 2018
Title Company	INSIGHT TITLE COMPANY LLC, INSIGHT TITLE CO LLC

Transaction

Amount	Amount on Record
Tax	$91.12
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8950 CYPRESS WATERS BLVD COPPELL TX 750194620, COPPELL, TX 75019-4620
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 224 College St was $1,573 with a homeowner's exemption, up 9.2% 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	$1,573.00 (+9.24%) Homeowner's exemption	$52,080 (+35.38%) Land $10,080 Building $42,000	$148,800 Land $28,800 Building $120,000
2024	$1,440.00 (+3.75%) Homeowner's exemption	$38,470 (-) Land $10,920 Building $27,550
2023	$1,388.00 (-5.58%)	$38,470 (-) Land $10,920 Building $27,550	$109,900 (-) Land $31,200 Building $78,700
2022	$1,470.00	$38,470 Land $10,920 Building $27,550	$109,900 Land $31,200 Building $78,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 224 College 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 224 College 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 College St

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