304 Debra St, Covington, OH 45318 Property Records

Miami County property record for 304 Debra St, Covington, OH 45318 · Last verified June 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1965
Square Footage	1,679 sqft Living Area
Lot Size	10,019 sqft (0.23 acres)
Occupancy	Owner Occupied
Last Sale	$81,000 (2002)
Tax Bill	$2,319.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`H19-011030`
Alternative APNs	`080529.1-03-027-00` `H19NH079 00400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,679 sqft Living Area
1st Floor	3,358 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Conventional Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Construction Type	Frame Construction
Lot Area	10,019 sqft (0.23 acres)
Depth X Width	125 ft x 81 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	609 sqft Garage
Patio Area	592 sqft Patio
Porch Area	120 sqft Porch
Canopy Area	84 sqft Canopy

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	304 DEBRA ST
City	COVINGTON
State	OH
Zip	45318-1722
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 1123 80
Legal Subdivision	MEADOWVIEW ACRES SUBDIVISION ONE
Legal Lot Number	1123
Jurisdiction	MIAMI OH
Minor Civil Division	NEWBERRY
Census Blockgroup	2
Census Block	2002
Census Tract	325000

Owner

Source: Miami County records · APN H19-011030

Assessment roll updated March 6, 2026 · Last verified June 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	304 DEBRA ST, COVINGTON, OH 45318-1722
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 03, 2002 · Amount on Record
Deed Sale	Jul 03, 2002 · Amount on Record
Prior Sale	Jan 01, 1990
Last Transfer Date	Apr 18, 2026
Transfer Doc	0000005873
Record Refreshed	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 15, 2026
Property Address	304 DEBRA ST, COVINGTON, OH 45318-1722
Document Number	0000005873
Instrument Date	Apr 18, 2026
Instrument	20265873
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NAVY FEDERAL TITLE

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 DEBRA ST, COVINGTON, OH 45318-1722

Mortgage

Document Number	0000005874,
Date	May 15, 2026
Instrument	20265874

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.77%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified June 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,319.00 (+18.8%) Homeowner's exemption	$71,060 (+36.34%) Land $12,080 Building $58,980	$203,000 (+36.33%) Land $34,500 Building $168,500
2024	$1,952.00 (+3.83%) Homeowner's exemption	$52,120 (-) Land $13,090 Building $39,030
2023	$1,880.00 (-3.44%) Homeowner's exemption	$52,120 (-) Land $13,090 Building $39,030	$148,900 (-) Land $37,400 Building $111,500
2022	$1,947.00 Homeowner's exemption	$52,120 Land $13,090 Building $39,030	$148,900 Land $37,400 Building $111,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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