312 E Bridge St, Covington, OH 45318 Property Records

Miami County property record for 312 E Bridge St, Covington, OH 45318 · Last verified March 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	2 Baths
Year Built	Built 1988
Square Footage	1,300 sqft Living Area
Lot Size	6,534 sqft (0.15 acres)
Garage	576 sqft
Occupancy	Owner Occupied
Tax Bill	$1,504.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`H19-007690`
Alternative APNs	`080529.3-19-001-00` `H19SH018 00100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,300 sqft Living Area
1st Floor	1,300 sqft 1st Floor
Stories	1 Stories

Exterior

Year Built	Built 1988
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Foundation Type	Raised Foundation
Lot Area	6,534 sqft (0.15 acres)
Depth X Width	132 ft x 51 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	576 sqft Garage
Porch	Open Porch
Porch Area	192 sqft Porch

Utilities and HVAC

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

Location & Zoning

Old Parcel Number	H19SH018 00100
Street Address	312 E BRIDGE ST
City	COVINGTON
State	OH
Zip	45318-1517
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 656 50 1/2
Legal Subdivision	COVINGTON
Legal Lot Number	656 50
Jurisdiction	MIAMI OH
Minor Civil Division	NEWBERRY
Census Blockgroup	2
Census Block	2044
Census Tract	325000

Owner

Source: Miami County records · APN H19-007690

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	Owner Name on File
Mailing Address	312 E BRIDGE ST, COVINGTON, OH 45318-1517
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Jun 27, 2008
Transfer Doc	0000489614
Record Refreshed	Jun 08, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	312 E BRIDGE ST, COVINGTON, OH 45318-1517
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 E BRIDGE ST, COVINGTON, OH 45318-1517

Mortgage

Document Number	0000001382
Date	Jan 25, 2022
Instrument	2022OR-01382

Lender

Name	AMERICAN ADVISORS GROUP
Type	Mortgage Company
Address	IRVINE, CA 92612

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	902 Months
Due	Mar 25, 2097

Interest

Rate Type	Adjustable Rate
Rate	2.5%
Adjustable	Document includes a rider for adjustable-rate mortgage with a specific rate change date.
Type Change Date	Feb 01, 2022
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).
Index	1-Year CMT
Max Rate	7.5%

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	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	$1,504.00 (-2.91%) Homeowner's exemption	$66,020 (+29.55%) Land $9,000 Building $57,020	$188,600 (+29.53%) Land $25,700 Building $162,900
2024	$1,549.00 (+2.31%) Homeowner's exemption	$50,960 (-) Land $9,730 Building $41,230
2023	$1,514.00 (-4.36%) Homeowner's exemption	$50,960 (-) Land $9,730 Building $41,230	$145,600 (-) Land $27,800 Building $117,800
2022	$1,583.00 Homeowner's exemption	$50,960 Land $9,730 Building $41,230	$145,600 Land $27,800 Building $117,800

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft

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.