2878 N Washington Rd, Covington, OH 45318 Property Records

Miami County property record for 2878 N Washington Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,573 sqft · built 1973
Lot Size	0.717 acres (31,233 sqft)
Owner	2 Individual Names on File
Last Sale	$130,000 (Oct 2018)
Tax Bill	$2,399 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`C06-080912`

Property Details

APN / Parcel Number

Primary APN	`C06-080912`
Alternative APNs	`070512.1-01-034-00` `C06CC014A03200`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,573 sqft Living Area
1st Floor Area	1,573 sqft

Exterior

Year Built	Built 1973
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	31,233 sqft (0.717 acres)
Lot Dimensions	250 ft deep x 125 ft wide
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	C06CC014A03200
Street Address	2878 N WASHINGTON RD
City	COVINGTON
State	OH
Zip	45318-8965
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-7-12 LOT 13 WASHINGTON RD HOMELAWN #2
Legal Range	07
Legal Township	05
Legal Section	12
Legal Subdivision	WASHINGTON RD HOMELAWN #2
Legal Lot Number	13
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5002
Census Tract	365002

Owner

Source: Miami County records · APN C06-080912

Assessment roll updated January 1, 2025 · Last verified March 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 File
Mailing Address	2878 N WASHINGTON RD, COVINGTON, OH 45318-8965
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 01, 2023	Deed of Trust, Mortgage · Closed-End Mortgage DAY AIR CREDIT UNION INC
Oct 30, 2018	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 30, 2018 · Amount on Record
Deed Sale	Oct 30, 2018 · Amount on Record
Deed Document Number	2449
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	2878 N WASHINGTON RD, COVINGTON, OH 45318-8965
Transaction Type	Mortgage
Record Updated	Sep 18, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2878 N WASHINGTON RD, COVINGTON, OH 45318-8965

Mortgage

Document Number	0000009591
Date	Sep 01, 2023
Instrument	2023OR-09591

Lender

Name	DAY AIR CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45429

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 30, 2018
Property Address	2878 N WASHINGTON RD, COVINGTON, OH 45318-8965
Document Number	0000013311
Instrument Date	Oct 26, 2018
Instrument	13311
Transaction Type	Transfer
Record Updated	Nov 15, 2018
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$260.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2878 N WASHINGTON RD COVINGTON OH 453188965, COVINGTON, OH 45318-8965

Mortgage

Document Number	13312
Date	Oct 30, 2018
Instrument	13312

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 29, 2048

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,399.00 (+10.6%) Homeowner's exemption	$67,340 (+20.62%) Land $11,480 Building $55,860	$192,400 (+20.63%) Land $32,800 Building $159,600
2024	$2,169.00 (+2.07%) Homeowner's exemption	$55,830 (-) Land $12,430 Building $43,400
2023	$2,125.00 (+17.02%) Homeowner's exemption	$55,830 (-) Land $12,430 Building $43,400	$159,500 (-) Land $35,500 Building $124,000
2022	$1,816.00 Homeowner's exemption	$55,830 Land $12,430 Building $43,400	$159,500 Land $35,500 Building $124,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 10, 2023 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 6 locations within half a mile of this property.

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