309 S High St, Covington, OH 45318 Property Records

Miami County property record for 309 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,356 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Tax Bill	$2,117 (2025)
Deeds & Mortgages	Jun 2021 Mortgage May 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-002280`

Property Details

APN / Parcel Number

Primary APN	`H19-002280`
Alternative APNs	`080530.4-08-002-00` `H19SH003 00200`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,356 sqft Living Area
1st Floor Area	2,708 sqft
Upper Floors Area	1,002 sqft
Basement Area	501 sqft
Unfinished Basement	501 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Type	Detached
Garage Area	754 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	486 sqft
Patio Area	304 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	309 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1121
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 131 82.5
Legal Lot Number	131
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2058
Census Tract	325000

Owner

Source: Miami County assessment roll, as of March 6, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	309 S HIGH ST, COVINGTON, OH 45318-1121
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 14, 2021	Intrafamily Transfer, Transfer · VA Mortgage LAKEVIEW LOAN SERVICING LLC
May 17, 2018	Deed, Transfer · VA Mortgage AMERICAN MORTGAGE SERVICES

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 14, 2021
Deed Sale	Jun 14, 2021
Prior Sale	Jun 14, 2021
Deed Document Number	20212021OR-10438
Prior Transfer Date	Aug 4, 2020
Prior Transfer Doc	0000010438
Record Updated	Sep 20, 2026

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Jun 14, 2021
Property Address	309 S HIGH ST, COVINGTON, OH 45318-1121
Document Number	0000010438
Instrument Date	Aug 4, 2020
Instrument	2021OR-10438
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	GUARDIAN LAND TITLE, GUARDIAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S HIGH ST, COVINGTON, OH 45318-1121

Mortgage

Document Number	0000010439
Date	Jun 14, 2021
Instrument	2021OR-10439

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	351 Months
Due	Sep 1, 2050

May 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	May 17, 2018
Property Address	309 S HIGH ST, COVINGTON, OH 45318-1121
Document Number	0000005949
Instrument Date	Apr 30, 2018
Instrument	2018OR-05949
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	SPRINGDALE TITLE LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$344.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S HIGH ST, COVINGTON, OH 45318-1121

Mortgage

Document Number	0000005950
Date	May 17, 2018
Instrument	2018OR-05950

Lender

Name	AMERICAN MORTGAGE SERVICES

Agreement

Type	VA Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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	$2,117.00 (+16.64%) Homeowner's exemption	$70,110 (+44.62%) Land $12,500 Building $57,610	$200,300 (+44.62%) Land $35,700 Building $164,600
2024	$1,815.00 (+3.77%) Homeowner's exemption	$48,480 (-) Land $13,550 Building $34,930
2023	$1,749.00 (-3.42%) Homeowner's exemption	$48,480 (-) Land $13,550 Building $34,930	$138,500 (-) Land $38,700 Building $99,800
2022	$1,811.00 Homeowner's exemption	$48,480 Land $13,550 Building $34,930	$138,500 Land $38,700 Building $99,800

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

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
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

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 S High St

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