351 N High St, Covington, OH 45318 Property Records

Miami County property record for 351 N High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,924 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$66,850 (Jun 2011)
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Apr 2019 Line of Credit Dec 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-003320`

Property Details

APN / Parcel Number

Primary APN	`H19-003320`
Alternative APNs	`080530.1-03-013-00` `H19NH038 01300`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,924 sqft Living Area
1st Floor Area	2,406 sqft
Upper Floors Area	721 sqft
Basement Area	461 sqft
Unfinished Basement	461 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	160 sqft
Patio Area	180 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	351 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1411
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 218 82
Legal Lot Number	218
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1018
Census Tract	325000

Owner

351 N High St is owned and occupied by two individuals who acquired it in December 2018.

Source: Miami County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	351 N HIGH ST, COVINGTON, OH 45318-1411
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2019	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CU
Dec 19, 2018	Quit Claim Deed, Transfer · Conventional Mortgage WRIGHT-PATT CU
Aug 22, 2018	Deed of Trust, Mortgage · Line of Credit WRIGHTPATT CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2011 · Amount on File
Deed Sale	Jun 20, 2011 · Amount on File
Prior Sale	Feb 22, 2008 · Amount on File
Last Transfer Date	Dec 12, 2018
Transfer Doc	0000015533
Record Updated	Oct 29, 2026

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	351 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000004516
Instrument Date	Apr 16, 2019
Transaction Type	Mortgage
Record Updated	May 20, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	51 N HIGH ST COVINGTON OH 45318, COVINGTON, OH 45318

Mortgage

Document Number	0000004516
Date	May 2, 2019
Instrument	4516

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45434

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 19, 2018
Property Address	351 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000015533
Instrument Date	Dec 12, 2018
Instrument	15533
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	351 N HIGH ST COVINGTON OH 453181411, COVINGTON, OH 45318-1411

Mortgage

Document Number	15534
Date	Dec 19, 2018
Instrument	15534

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 18, 2033

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	351 N HIGH ST, COVINGTON, OH 45318-1411
Document Number	0000011429
Instrument Date	Aug 22, 2018
Transaction Type	Mortgage
Record Updated	Oct 9, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	351 N HIGH ST COVINGTON OH 453181411, COVINGTON, OH 45318-1411

Mortgage

Document Number	0000011429
Date	Sep 18, 2018
Instrument	11429

Lender

Name	WRIGHTPATT CU INC

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Sep 17, 2043

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 351 N High St was $1,594 with a homeowner's exemption, up 17.6% from the year before.

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	$1,594.00 (+17.64%) Homeowner's exemption	$52,790 (+45.83%) Land $12,500 Building $40,290	$150,800 Land $35,700 Building $115,100
2024	$1,355.00 (+3.75%) Homeowner's exemption	$36,200 (-) Land $13,550 Building $22,650
2023	$1,306.00 (-3.4%) Homeowner's exemption	$36,200 (-) Land $13,550 Building $22,650	$103,400 (-) Land $38,700 Building $64,700
2022	$1,352.00 Homeowner's exemption	$36,200 Land $13,550 Building $22,650	$103,400 Land $38,700 Building $64,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 351 N High St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 351 N High St is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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 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 (outdoors only) and 4G LTE

Nearby Properties on N High St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures