312 S Wall St, Covington, OH 45318 Property Records

Miami County property record for 312 S Wall St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 991 sqft · built 1920
Lot Size	0.28 acres (12,197 sqft)
Owner	Individual Name on Record
Last Sale	$195,000 (Sep 2026)
Tax Bill	$1,708 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-002960`

Property Details

APN / Parcel Number

Primary APN	`H19-002960`
Alternative APNs	`080529.3-25-011-00` `H19SH017 01600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	991 sqft Living Area
1st Floor Area	1,598 sqft
Attic	Attic
Attic Area	192 sqft
Basement Area	799 sqft
Unfinished Basement	799 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	132 ft deep x 94 ft wide
Garage Type	Detached
Garage Area	396 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	566 sqft
Patio Area	234 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	312 S WALL ST
City	COVINGTON
State	OH
Zip	45318-1159
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 183 94.66
Legal Subdivision	SHUMANS ADDITION
Legal Lot Number	183
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2053
Census Tract	325000

Owner

Source: Miami County records, as of September 29, 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 Record
Mailing Address	312 S WALL ST, COVINGTON, OH 45318-1159
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 15, 2026 · Amount on Record
Deed Sale	Sep 15, 2026 · Amount on Record
Prior Sale	May 25, 2016 · Amount on Record
Deed Document Number	202611744
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 15, 2026
Property Address	312 S WALL ST, COVINGTON, OH 45318-1159
Document Number	0000011744
Instrument Date	Sep 14, 2026
Instrument	202611744
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	PK TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$39,390.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	312 S WALL ST, COVINGTON, OH 45318-1159

Mortgage

Document Number	0000011745,
Date	Sep 15, 2026
Instrument	202611745

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

Mortgage

Document Number	0000011746,
Date	Sep 15, 2026
Instrument	202611746

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Oct 1, 2036

Interest

Max Rate	-1%

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	$1,708.00 (-1.27%) Homeowner's exemption	$56,560 (+22.42%) Land $13,580 Building $42,980	$161,600 (+22.42%) Land $38,800 Building $122,800
2024	$1,730.00 (+3.84%) Homeowner's exemption	$46,200 (-) Land $14,700 Building $31,500
2023	$1,666.00 (-3.42%) Homeowner's exemption	$46,200 (-) Land $14,700 Building $31,500	$132,000 (-) Land $42,000 Building $90,000
2022	$1,725.00 Homeowner's exemption	$46,200 Land $14,700 Building $31,500	$132,000 Land $42,000 Building $90,000

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
Nearest Special Flood Hazard Area	Zone A, 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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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

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