Miami County property record for 314 N Wall St, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,248 sqft · built 1968 |
| Lot Size | 0.11 acres (4,792 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $12,000 (Nov 1983) |
| Tax Bill | $881 (2025) |
| Deeds & Mortgages | Oct 2025 Sale Jan 2017 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-004240 |
| Primary APN | H19-004240 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,248 sqft Living Area |
| 1st Floor Area | 2,496 sqft |
| Family Room | Family Room |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1993 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 4,792 sqft (0.11 acres) |
| Lot Dimensions | 127 ft deep x 37 ft wide |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 160 sqft |
| Patio Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 314 N WALL ST |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1452 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 314 43 |
| Legal Lot Number | 314 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 325000 |
314 N Wall St is owned and occupied by two individuals who bought it in November 1983.
Source: Miami County records, as of July 28, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 314 N WALL ST, COVINGTON, OH 45318-1452 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 20, 2025 | Certificate of Transfer, Transfer |
| Jan 24, 2017 | Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 1, 1983 · Amount on File |
| Deed Sale | Nov 1, 1983 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Certificate of Transfer |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Oct 20, 2025 |
| Property Address | 314 N WALL ST, COVINGTON, OH 45318-1452 |
| Document Number | 0000012040 |
| Instrument Date | Oct 16, 2025 |
| Instrument | 2025OR-12040 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1005 BROADWAY, PIQUA, OH 45356-1701 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 314 N WALL ST, COVINGTON, OH 45318-1452 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000887 |
|---|---|
| Date | Jan 24, 2017 |
| Instrument | 2017OR-00887 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43240 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 420 Months |
| Due | Jan 13, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 314 N Wall St was $881 with a homeowner's exemption, down 22.3% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $881.00 (-22.31%) Homeowner's exemption | $50,720 (+27.21%) Land $5,460 Building $45,260 | $144,900 Land $15,600 Building $129,300 |
| 2024 | $1,134.00 (+1.8%) Homeowner's exemption | $39,870 (-) Land $5,920 Building $33,950 | |
| 2023 | $1,114.00 (-4.7%) Homeowner's exemption | $39,870 (-) Land $5,920 Building $33,950 | $113,900 (-) Land $16,900 Building $97,000 |
| 2022 | $1,169.00 Homeowner's exemption | $39,870 Land $5,920 Building $33,950 | $113,900 Land $16,900 Building $97,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 314 N Wall St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
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.
The area around 314 N Wall St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 202 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 |
5G (outdoors only) and 4G LTE
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