23 N High St, Covington, OH 45318 Property Records

Miami County property record for 23 N High St, Covington, OH 45318

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	10,640 sqft · built 1953
Lot Size	0.16 acres (6,970 sqft)
Owner	Company Name on File
Last Sale	$140,000 (Jun 2023)
Tax Bill	$1,997 (2025)
Deeds & Mortgages	Jan 2026 Transfer Jul 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-000320`

Property Details

APN / Parcel Number

Primary APN	`H19-000320`
Alternative APNs	`080530.1-07-010-00` `H19NH006 01000`

Interior

Stories	1 Story
Building Area	10,640 sqft Total Area

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Fire Resistance	Masonry Walls, Wood Interior
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	82 ft deep x 84 ft wide

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	23 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1305
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	IN LOT 21 82.5X84.22 W PT
Legal Lot Number	21
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2019
Census Tract	325000

Owner

23 N High St, a commercial property, is owned by a company that bought it in June 2023.

Source: Miami County records, as of March 6, 2026

Owner of Record	Company Name on File
Mailing Address	23 N HIGH ST, COVINGTON, OH 45318-1305
Owner Type	Company
Vesting	Government

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
Jan 30, 2026	Quit Claim Deed, Transfer Quitclaim
Jul 28, 2025	Quit Claim Deed, Transfer Quitclaim
Jun 8, 2023	Warranty Deed, Transfer VILLAGE OF COVINGTON
Jul 19, 2017	Deed of Trust, Mortgage COVINGTON S&L ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2023 · Amount on File
Deed Sale	Jun 8, 2023 · Amount on File
Prior Sale	Jan 1, 1990
Deed Document Number	20236058
Prior Transfer Date	Jun 21, 2012
Prior Transfer Doc	0000008663
Record Updated	Jun 8, 2026

January 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 30, 2026
Property Address	23 N HIGH ST, COVINGTON, OH 45318-1305
Document Number	0000001213
Instrument Date	Jan 12, 2026
Instrument	2026OR-01213
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8139 N STATE ROUTE 48, COVINGTON, OH 45318-9612

July 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 28, 2025
Property Address	23 N HIGH ST, COVINGTON, OH 45318-1305
Document Number	0000008272
Map Reference	VOL 62 PG 24-A
Instrument Date	Jul 25, 2025
Instrument	2025OR-08272
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8139 N STATE ROUTE 48, COVINGTON, OH 45318-9612

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 8, 2023
Property Address	23 N HIGH ST, COVINGTON, OH 45318-1305
Document Number	0000006058
Instrument Date	May 31, 2023
Instrument	2023OR-06058
Transaction Type	Transfer
Record Updated	Jun 26, 2023

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1 S HIGH ST, COVINGTON, OH 45318-1309

Mortgage

Document Number	0000006059
Date	Jun 8, 2023
Instrument	2023OR-06059

Lender

Name	VILLAGE OF COVINGTON
Type	Government Agency

Agreement

Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	23 N HIGH ST, COVINGTON, OH 45318-1305
Document Number	0000009089
Instrument Date	Jul 19, 2017
Transaction Type	Mortgage
Record Updated	Sep 1, 2017
Title Company	ATTORNEY ONLY

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	782 WINDSOR RD TROY OH 453731134, TROY, OH 45373-1134

Mortgage

Document Number	0000009089
Date	Jul 26, 2017
Instrument	9089

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	COVINGTON, OH 45318

Agreement

Amount	Amount on Record
Term	60 Months
Due	Jul 25, 2022

Tax Assessment & Valuation

The 2025 property tax bill for 23 N High St was $1,997, down 7.6% 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	$1,997.00 (-7.59%)	$47,110 (+11.13%) Land $9,380 Building $37,730	$134,600 Land $26,800 Building $107,800
2024	$2,161.00 (+1.89%)	$42,390 (-) Land $7,810 Building $34,580
2023	$2,121.00 (-4.29%)	$42,390 (-) Land $7,810 Building $34,580	$121,100 (-) Land $22,300 Building $98,800
2022	$2,216.00	$42,390 Land $7,810 Building $34,580	$121,100 Land $22,300 Building $98,800

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

FEMA maps place 23 N High St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 23 N High St is low, with less than a 0.01% annual chance of 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

Nearby Properties on N High St

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