315 N High St, Covington, OH 45318 Property Records

Miami County property record for 315 N High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,043 sqft · built 1945
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on Record
Last Sale	$167,500 (Jan 2026)
Tax Bill	$2,097 (2025)
Deeds & Mortgages	Jan 2026 Sale & Mortgage Oct 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-003360`

Property Details

APN / Parcel Number

Primary APN	`H19-003360`
Alternative APNs	`080530.1-03-009-00` `H19NH038 00900`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,043 sqft Living Area
1st Floor Area	2,086 sqft
Basement Area	1,043 sqft
Unfinished Basement	1,043 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	496 sqft
Patio Area	96 sqft
Canopy	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	315 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 222 82
Legal Subdivision	VILLAGE OF COVINGTON OHIO
Legal Lot Number	222
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1018
Census Tract	325000

Owner

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	Individual Name on Record
Mailing Address	315 N HIGH ST, COVINGTON, OH 45318-1411
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2026	Warranty Deed, Transfer · Closed-End Mortgage THE COVINGTON SLA
Oct 21, 2025	Transfer on Death Deed, Transfer
Jun 8, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2026 · Amount on Record
Deed Sale	Jan 27, 2026 · Amount on Record
Prior Sale	Aug 7, 1990
Deed Document Number	20261068
Prior Transfer Date	Jun 7, 2023
Prior Transfer Doc	0000006005
Record Updated	Sep 20, 2026

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 27, 2026
Property Address	315 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000001068
Instrument Date	Jan 16, 2026
Instrument	2026OR-01068
Transaction Type	Transfer
Record Updated	Feb 4, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 N HIGH ST, COVINGTON, OH 45318-1411

Mortgage

Document Number	0000001069
Date	Jan 27, 2026
Instrument	2026OR-01069

Lender

Name	THE COVINGTON SLA
Type	Bank

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Feb 1, 2051

October 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 21, 2025
Property Address	315 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000012149
Instrument Date	Oct 3, 2025
Instrument	2025OR-12149
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 8, 2023
Property Address	315 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000006005
Instrument Date	Jun 6, 2023
Instrument	2023OR-06005
Transaction Type	Transfer
Record Updated	Jun 26, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,097.00 (+21.64%)	$67,730 (+26.72%) Land $12,500 Building $55,230	$193,500 (+26.72%) Land $35,700 Building $157,800
2024	$1,724.00 (+7.48%) Homeowner's exemption	$53,450 (-) Land $13,550 Building $39,900
2023	$1,604.00 (-4.3%) Homeowner's exemption	$53,450 (-) Land $13,550 Building $39,900	$152,700 (-) Land $38,700 Building $114,000
2022	$1,676.00 Homeowner's exemption	$53,450 Land $13,550 Building $39,900	$152,700 Land $38,700 Building $114,000

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
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.

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 205 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	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G and 4G LTE (outdoors only)

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