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321 S High St, Covington, OH 45318 Property Records

Miami County property record for 321 S High St, Covington, OH 45318 · Last verified March 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 2,311 sqft · built 1920
Lot Size0.25 acres (10,890 sqft)
Owner2 Individual Names on File
Last Sale$135,000 (Nov 2017)
Tax Bill$2,351 (2025)
Deeds & MortgagesAug 2021 Mortgage
Nov 2017 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APNH19-002290

Property Details

APN / Parcel Number

Primary APNH19-002290
Alternative APNs
  • 080530.4-08-001-00
  • H19SH003 00100

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms7 Rooms
Stories2 Stories
Building Area2,311 sqft Living Area
1st Floor Area1,495 sqft
2nd Floor Area816 sqft
Upper Floors Area816 sqft
Basement Area510 sqft

Exterior

Year BuiltBuilt 1920
Architectural StyleConventional
Exterior MaterialBrick/Stone
Construction TypeFrame
Lot Area10,890 sqft (0.25 acres)
Lot Dimensions132 ft deep x 82 ft wide
Garage TypeMixed
Garage Area936 sqft
Parking Spaces4 Parking Spaces
PorchEnclosed Porch
Porch Area616 sqft
Patio Area316 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
SewerConnected

Location & Zoning

Old Parcel NumberH19SH003 00100
Street Address321 S HIGH ST
CityCOVINGTON
StateOH
Zip45318-1121
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionIL 132 82.5
Legal SubdivisionVILLAGE/COVINGTON
Legal Lot Number132
JurisdictionMIAMI OH
Township / Civil DivisionNEWBERRY
Census Block Group2
Census Block2058
Census Tract325000

Owner

Source: Miami County records · APN H19-002290

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 Record2 Individual Names on File
Mailing Address321 S HIGH ST, COVINGTON, OH 45318-1121
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Aug 19, 2021Deed of Trust, Mortgage · Conventional Mortgage
GREENVILLE FEDERAL
Nov 30, 2017Warranty Deed, Transfer · Conventional Mortgage
GREENVILLE FED'L

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleNov 30, 2017 · Amount on Record
Deed SaleNov 30, 2017 · Amount on Record
Prior SaleOct 17, 2000 · Amount on Record
Deed Document Number2495
Record UpdatedJun 08, 2026

August 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionMIAMI OH
Property Address321 S HIGH ST, COVINGTON, OH 45318-1121
Transaction TypeMortgage
Record UpdatedSep 08, 2021

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000014504
DateAug 19, 2021
Instrument2021OR-14504
Lender
NameGREENVILLE FEDERAL
TypeBank
AddressGREENVILLE, OH 45331
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueSep 01, 2051

November 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMIAMI OH
Recording DateNov 30, 2017
Property Address321 S HIGH ST, COVINGTON, OH 45318-1121
Document Number0000014865
Instrument DateNov 27, 2017
Instrument14865
Transaction TypeTransfer
Record UpdatedJan 03, 2018
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$270.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address690 WAGNER AVE GREENVILLE OH 453312649, GREENVILLE, OH 45331-2649

Mortgage

Document Number14866
DateNov 30, 2017
Instrument14866
Lender
NameGREENVILLE FED'L
TypeFunding / Finance Company
AddressGREENVILLE, OH 45331
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 29, 2047

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

TypeName
StateOhio
CountyMiami County
County SubdivisionNewberry Township
MunicipalityCovington Village
Unified School DistrictCovington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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.

YearTax BillAssessed ValueAssessed Market Value
2025$2,351.00 (+19.28%) Homeowner's exemption$71,930 (+36.62%) Land $12,500 Building $59,430$205,500 (+36.64%) Land $35,700 Building $169,800
2024$1,971.00 (+3.79%) Homeowner's exemption$52,650 (-) Land $13,550 Building $39,100
2023$1,899.00 (-3.41%) Homeowner's exemption$52,650 (-) Land $13,550 Building $39,100$150,400 (-) Land $38,700 Building $111,700
2022$1,966.00 Homeowner's exemption$52,650 Land $13,550 Building $39,100$150,400 Land $38,700 Building $111,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 391093250002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Nearby Flood Policies3 in force
Nearby Flood Claims5 (1978–2017)
Claims Outside the SFHA4 of 5
Most Recent ClaimNov 2017, other causes

Wildfire

Wildfire RiskNot rated
no burnable land in reach
Wildfire LikelihoodNegligible
ExposureNone
beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 532 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Uniti GroupFiber2,000 / 2,000
SpectrumCable1,000 / 1,000
Benton Ridge Telephone CompanyFixed Wireless (licensed-by-rule)400 / 40
VerizonFixed Wireless300 / 20

May also be available at this address: Uniti Group, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

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