304 N Grant St, Covington, OH 45318 Property Records

Miami County property record for 304 N Grant St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,954 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,000 (Jun 2018)
Tax Bill	$2,429 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage Jun 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-006990`

Property Details

APN / Parcel Number

Primary APN	`H19-006990`
Alternative APNs	`080529.2-14-004-00` `H19NH067 01100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,954 sqft Living Area
1st Floor Area	2,564 sqft
Upper Floors Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 55 ft wide
Garage Type	Detached
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	204 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	304 N GRANT ST
City	COVINGTON
State	OH
Zip	45318-1628
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 583 55
Legal Subdivision	AARON ULLERY ADD
Legal Lot Number	583
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2010
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	304 N GRANT ST, COVINGTON, OH 45318-1628
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
Jun 7, 2018	Limited Warranty Deed, Transfer · Conventional Mortgage WESTERN OHIO MORTGAGE CORP
Aug 4, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 7, 2018 · Amount on Record
Deed Sale	Jun 7, 2018 · Amount on Record
Prior Sale	Aug 4, 2017 · Amount on Record
Deed Document Number	20182018OR-06928
Record Updated	Oct 29, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	304 N GRANT ST, COVINGTON, OH 45318-1628
Transaction Type	Mortgage
Record Updated	Feb 12, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N GRANT ST, COVINGTON, OH 45318-1628

Mortgage

Document Number	0000000986
Date	Jan 31, 2024
Instrument	2024OR-00986

Lender

Name	DISCOVER BANK
Type	Bank
Address	502 E MARKET ST, GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

June 2018: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 7, 2018
Property Address	304 N GRANT ST, COVINGTON, OH 45318-1628
Document Number	0000006928
Instrument Date	Jun 4, 2018
Instrument	2018OR-06928
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	REPUBLIC TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$300.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	135 S STATE ROUTE 48, 135, PLEASANT HILL, OH 45359

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 N GRANT ST, COVINGTON, OH 45318-1628

Mortgage

Document Number	0000006929
Date	Jun 7, 2018
Instrument	2018OR-06929

Lender

Name	WESTERN OHIO MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 4, 2017
Property Address	304 N GRANT ST, COVINGTON, OH 45318-1628
Document Number	0000009612
Instrument Date	Jul 18, 2017
Instrument	9612
Transaction Type	Foreclosure
Record Updated	Aug 31, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$84.00
Amount Accuracy	Confirmed
Additional	Notice of Foreclosure Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 764 VANDALIA OH 453770764, VANDALIA, OH 45377-0764

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	$2,429.00 (+4.83%) Homeowner's exemption	$80,440 (+29.99%) Land $9,700 Building $70,740	$229,800 (+29.98%) Land $27,700 Building $202,100
2024	$2,317.00 (+3.81%) Homeowner's exemption	$61,880 (-) Land $10,500 Building $51,380
2023	$2,232.00 (-3.42%) Homeowner's exemption	$61,880 (-) Land $10,500 Building $51,380	$176,800 (-) Land $30,000 Building $146,800
2022	$2,311.00 Homeowner's exemption	$61,880 Land $10,500 Building $51,380	$176,800 Land $30,000 Building $146,800

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

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

Nearby Properties on N Grant St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures