27 S High St, Covington, OH 45318 Property Records

Miami County property record for 27 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,234 sqft · built 1920
Lot Size	0.059 acres (2,570 sqft)
Owner	Individual Name on File
Last Sale	$43,000 (Nov 2007)
Tax Bill	$1,292 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-000605`

Property Details

APN / Parcel Number

Primary APN	`H19-000605`
Alternative APNs	`080530.4-06-002-00` `H19SH005 00600`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,234 sqft Living Area
1st Floor Area	2,528 sqft
Upper Floors Area	970 sqft
Basement Area	485 sqft
Unfinished Basement	485 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	2,570 sqft (0.059 acres)
Lot Dimensions	66 ft deep x 39 ft wide
Porch	Slab
Porch Area	300 sqft
Patio Area	40 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	27 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 33 39X66 SE COR
Legal Lot Number	33
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2028
Census Tract	325000

Owner

27 S High St is owned and occupied by an individual who bought it in November 2007.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	27 S HIGH ST, COVINGTON, OH 45318-1309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
Oct 10, 2018	Deed of Trust, Mortgage · Conventional with PMI WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2007 · Amount on File
Deed Sale	Nov 15, 2007 · Amount on File
Prior Sale	Jan 17, 2007 · Amount on File
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	27 S HIGH ST, COVINGTON, OH 45318-1309
Transaction Type	Mortgage
Record Updated	Jul 16, 2021
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004237
Date	Mar 12, 2021
Instrument	2021OR-04237

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2041

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	27 S HIGH ST, COVINGTON, OH 45318-1309
Document Number	0000012607
Instrument Date	Oct 10, 2018
Transaction Type	Mortgage
Record Updated	Jan 16, 2019
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	27 HIGH ST COVINGTON OH 45318, COVINGTON, OH 45318

Mortgage

Document Number	0000012607
Date	Oct 16, 2018
Instrument	12607

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Oct 15, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 27 S High St was $1,292 with a homeowner's exemption, up 18.6% 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	$1,292.00 (+18.64%) Homeowner's exemption	$42,780 (+47.06%) Land $4,870 Building $37,910	$122,200 Land $13,900 Building $108,300
2024	$1,089.00 (+3.81%) Homeowner's exemption	$29,090 (-) Land $5,250 Building $23,840
2023	$1,049.00 (-3.41%) Homeowner's exemption	$29,090 (-) Land $5,250 Building $23,840	$83,100 (-) Land $15,000 Building $68,100
2022	$1,086.00 Homeowner's exemption	$29,090 Land $5,250 Building $23,840	$83,100 Land $15,000 Building $68,100

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

Flood

FEMA maps place 27 S 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 27 S 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 94% of the US · lower than 74% 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 S High St

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