225 S Wall St, Covington, OH 45318 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,545 sqft · built 1910
Lot Size	0.07 acres (3,049 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,470 (2025)
Deeds & Mortgages	Feb 2022 Sale & Mortgage Nov 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-002720`

Property Details

APN / Parcel Number

Primary APN	`H19-002720`
Alternative APNs	`080529.3-17-002-00` `H19SH011 00200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,545 sqft Living Area
1st Floor Area	2,090 sqft
Upper Floors Area	500 sqft
Basement Area	312 sqft
Unfinished Basement	312 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 2020
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	3,049 sqft (0.07 acres)
Lot Dimensions	73 ft deep x 43 ft wide
Porch	Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	225 S WALL ST
City	COVINGTON
State	OH
Zip	45318-1556
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 168 43.5X73
Legal Lot Number	168
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2055
Census Tract	325000

Owner

Source: Miami County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	225 S WALL ST, COVINGTON, OH 45318-1556
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 3, 2022	Warranty Deed, Transfer · FHA Mortgage DAS ACQUISITION
Nov 18, 2020	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 3, 2022
Deed Sale	Feb 3, 2022
Prior Sale	Nov 18, 2020 · Amount on Record
Deed Document Number	20221890
Record Updated	Oct 29, 2026

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Feb 3, 2022
Property Address	225 S WALL ST, COVINGTON, OH 45318-1556
Document Number	0000001890
Instrument Date	Feb 1, 2022
Instrument	2022OR-01890
Transaction Type	Transfer
Record Updated	Feb 18, 2022

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
Relationship	Right of Survivorship
Address	225 S WALL ST, COVINGTON, OH 45318-1556

Mortgage

Document Number	0000001891
Date	Feb 3, 2022
Instrument	2022OR-01891

Lender

Name	DAS ACQUISITION
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 18, 2020
Property Address	225 S WALL ST, COVINGTON, OH 45318-1556
Document Number	0000017321
Instrument Date	Nov 17, 2020
Instrument	2020OR-17321
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	AGILITY CLOSING & TITLE SVCS

Transaction

Amount	Amount Recorded
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 WALL ST, COVINGTON, OH 45318-1556

Mortgage

Document Number	0000017322
Date	Nov 18, 2020
Instrument	2020OR-17322

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

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	$1,470.00 (+90.41%) Homeowner's exemption	$48,690 (+136.13%) Land $5,640 Building $43,050	$139,100 (+136.16%) Land $16,100 Building $123,000
2024	$772.00 (+3.76%) Homeowner's exemption	$20,620 (-) Land $6,090 Building $14,530
2023	$744.00 (-3.38%) Homeowner's exemption	$20,620 (-) Land $6,090 Building $14,530	$58,900 (-) Land $17,400 Building $41,500
2022	$770.00 Homeowner's exemption	$20,620 Land $6,090 Building $14,530	$58,900 Land $17,400 Building $41,500

Assessed value is set for property tax purposes, not a market price estimate; it is 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 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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