Miami County property record for 321 S Wall St, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,144 sqft · built 1955 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Owner Name on File |
| Tax Bill | $1,849 (2025) |
| Deeds & Mortgages | Oct 2021 Mortgage Oct 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-002670 |
| Primary APN | H19-002670 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,144 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Dimensions | 126 ft deep x 78 ft wide |
| Garage Area | 240 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
|---|---|
| Porch Area | 90 sqft |
| Deck Area | 196 sqft |
| Patio Area | 196 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | H19SH010 00300 |
|---|---|
| Street Address | 321 S WALL ST |
| City | COVINGTON |
| State | OH |
| Zip | 45318-1158 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 164 93.6 & IN LOT 165 10 S PT |
| Legal Subdivision | COVINGTON |
| Legal Lot Number | 164 93 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 2 |
| Census Block | 2054 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-002670
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 | 321 S WALL ST, COVINGTON, OH 45318-1158 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Oct 13, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PARK NATIONAL BANK |
| Oct 30, 2018 | Deed of Trust, Mortgage · Conventional Mortgage UNITY NATIONAL BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Prior Sale | Sep 05, 2007 |
| Last Transfer Date | Oct 18, 2007 |
| Transfer Doc | 0000477055 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 321 S WALL ST, COVINGTON, OH 45318-1158 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000017857 |
|---|---|
| Date | Oct 13, 2021 |
| Instrument | 2021OR-17857 |
| Name | PARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NEWARK, OH 43058 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 321 S WALL ST, COVINGTON, OH 45318-1158 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000013283 |
|---|---|
| Date | Oct 30, 2018 |
| Instrument | 2018OR-13283 |
| Name | UNITY NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | PIQUA, OH 45356 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2048 |
Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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) |
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 | $1,849.00 (+16.14%) Homeowner's exemption | $56,670 (+33.25%) Land $11,940 Building $44,730 | $161,900 (+33.25%) Land $34,100 Building $127,800 |
| 2024 | $1,592.00 (+3.78%) Homeowner's exemption | $42,530 (-) Land $12,920 Building $29,610 | |
| 2023 | $1,534.00 (-3.4%) Homeowner's exemption | $42,530 (-) Land $12,920 Building $29,610 | $121,500 (-) Land $36,900 Building $84,600 |
| 2022 | $1,588.00 Homeowner's exemption | $42,530 Land $12,920 Building $29,610 | $121,500 Land $36,900 Building $84,600 |
Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Not rated no burnable land within 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Uniti Group Fiber · DSL in parts of the area | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 532 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | COVINGTON VILLAGE PWS serves 2,718 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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