242 N Wall St, Covington, OH 45318 Property Records

Miami County property record for 242 N Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,021 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$108,000 (May 2017)
Tax Bill	$1,878 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit May 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-006180`

Property Details

APN / Parcel Number

Primary APN	`H19-006180`
Alternative APNs	`080529.2-10-005-00` `H19NH060 00700`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,021 sqft Living Area
1st Floor Area	2,340 sqft
Upper Floors Area	851 sqft
Basement Area	425 sqft
Unfinished Basement	425 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2017
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	116 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	135 sqft
Patio Area	240 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	242 N WALL ST
City	COVINGTON
State	OH
Zip	45318-1642
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 495 52 1/2 WALL ST 2' VAC ALLEY
Legal Subdivision	COVINGTON
Legal Lot Number	495
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2011
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	2 Individual Names on Record
Mailing Address	242 N WALL ST, COVINGTON, OH 45318-1642
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 3, 2026	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK
May 12, 2021	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCING CORP
May 18, 2017	Warranty Deed, Transfer · VA Mortgage AMERICAN INTERNET MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2017 · Amount on Record
Deed Sale	May 18, 2017 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	2017OR-05931
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Jun 3, 2026
Property Address	242 N WALL ST, COVINGTON, OH 45318-1642
Document Number	0000006738
Instrument Date	Apr 25, 2026
Instrument	20266738
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	242 N WALL ST, COVINGTON, OH 45318-1642

Mortgage

Document Number	0000006738,
Date	Jun 3, 2026
Instrument	20266738

Lender

Name	FIFTH THIRD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 9, 2036

Interest

Rate	6.38%
Max Rate	-1%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	242 N WALL ST, COVINGTON, OH 45318-1642
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	FIRST INTEGRITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008299
Date	May 12, 2021
Instrument	2021OR-08299

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2051

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 18, 2017
Property Address	242 N WALL ST, COVINGTON, OH 45318-1642
Document Number	0000005931
Instrument Date	May 15, 2017
Instrument	2017OR-05931
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$216.00
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	242 N WALL ST, COVINGTON, OH 45318-1642

Mortgage

Document Number	0000005932
Date	May 18, 2017
Instrument	2017OR-05932

Lender

Name	AMERICAN INTERNET MORTGAGE INC
Type	Mortgage Company
Address	SAN DIEGO, CA 92108

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2047

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	$1,878.00 (+11.65%) Homeowner's exemption	$62,170 (+38.43%) Land $9,070 Building $53,100	$177,600 (+38.43%) Land $25,900 Building $151,700
2024	$1,682.00 (+3.83%) Homeowner's exemption	$44,910 (-) Land $9,840 Building $35,070
2023	$1,620.00 (-3.4%) Homeowner's exemption	$44,910 (-) Land $9,840 Building $35,070	$128,300 (-) Land $28,100 Building $100,200
2022	$1,677.00 Homeowner's exemption	$44,910 Land $9,840 Building $35,070	$128,300 Land $28,100 Building $100,200

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
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

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