225 S High St, Covington, OH 45318 Property Records

Miami County property record for 225 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,396 sqft · built 1914
Lot Size	0.08 acres (3,485 sqft)
Owner	Individual Name on Record
Tax Bill	$1,486 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Jun 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-002250`

Property Details

APN / Parcel Number

Primary APN	`H19-002250`
Alternative APNs	`080530.4-08-004-00` `H19SH003 00400`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,396 sqft Living Area
1st Floor Area	1,616 sqft
Upper Floors Area	588 sqft
Basement Area	736 sqft
Unfinished Basement	736 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,485 sqft (0.08 acres)
Lot Dimensions	132 ft deep x 26 ft wide
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	252 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	225 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1162
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 129 26.5 S SIDE
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 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	225 S HIGH ST, COVINGTON, OH 45318-1162
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 15, 2021	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Jun 6, 2018	Deed of Trust, Mortgage · ARM PARK NATIONAL BANK
Oct 16, 2019	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2021
Deed Sale	Sep 15, 2021
Prior Sale	Sep 22, 1999 · Amount on Record
Deed Document Number	202116149
Prior Transfer Date	Oct 11, 2019
Prior Transfer Doc	0000012263
Record Updated	Sep 20, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 15, 2021
Property Address	225 S HIGH ST, COVINGTON, OH 45318-1162
Document Number	0000016149
Instrument Date	Sep 14, 2021
Instrument	2021OR-16149
Transaction Type	Transfer
Record Updated	Oct 15, 2021

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
Address	225 S HIGH ST, COVINGTON, OH 45318-1162

Mortgage

Document Number	0000016150
Date	Sep 15, 2021
Instrument	2021OR-16150

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	225 S HIGH ST, COVINGTON, OH 45318-1162
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000006888
Date	Jun 6, 2018
Instrument	2018OR-06888

Lender

Name	PARK NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2048

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Type Change Date	Jul 1, 2028
Change Frequency	Annually
Min Rate At Change	4.12%
Max Rate At Change	7%
Index	1-Year T-Bill

October 2019: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MIAMI OH
Recording Date	Oct 16, 2019
Property Address	225 S HIGH ST, COVINGTON, OH 45318-1162
Document Number	0000012263
Instrument Date	Oct 11, 2019
Instrument	12263
Transaction Type	Transfer
Record Updated	Nov 1, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	225 S HIGH ST COVINGTON OH 453181162, COVINGTON, OH 45318-1162

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	$1,486.00 (+16.37%) Homeowner's exemption	$48,900 (+44.16%) Land $4,590 Building $44,310	$139,700 (+44.17%) Land $13,100 Building $126,600
2024	$1,277.00 (+3.82%) Homeowner's exemption	$33,920 (-) Land $4,970 Building $28,950
2023	$1,230.00 (-3.45%) Homeowner's exemption	$33,920 (-) Land $4,970 Building $28,950	$96,900 (-) Land $14,200 Building $82,700
2022	$1,274.00 Homeowner's exemption	$33,920 Land $4,970 Building $28,950	$96,900 Land $14,200 Building $82,700

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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