3555 N Washington Rd, Covington, OH 45318 Property Records

Miami County property record for 3555 N Washington Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,836 sqft · built 1920
Lot Size	1.85 acres (80,891 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Nov 2015)
Tax Bill	$3,619 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`C06-033300`

Property Details

APN / Parcel Number

Primary APN	`C06-033300`
Alternative APNs	`050606.0-01-007-00` `C06CC008 00300`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,836 sqft Living Area
1st Floor Area	2,040 sqft
Upper Floors Area	816 sqft
Basement Area	1,020 sqft
Unfinished Basement	1,020 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	80,891 sqft (1.85 acres)
Garage Type	Detached
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	168 sqft
Shed	1 Shed
Shed Area	1,600 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	3555 N WASHINGTON RD
City	COVINGTON
State	OH
Zip	45318-8970
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	6-5-6 W CEN PT SW
Legal Range	06
Legal Township	05
Legal Section	06
Jurisdiction	MIAMI OH
Township / Civil Division	CONCORD
Census Block Group	5
Census Block	5001
Census Tract	365002

Owner

3555 N Washington Rd is owned and occupied by an individual who acquired it in July 2016.

Source: Miami County records, as of July 28, 2026

Owner of Record	Individual Name on File
Mailing Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970
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
Nov 24, 2021	Deed of Trust, Mortgage FIFTH THIRD BANK NA
Nov 24, 2021	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA
Nov 13, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK OF WESTERN OHIO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2015 · Amount on File
Deed Sale	Nov 5, 2015 · Amount on File
Prior Sale	Dec 26, 2012 · Amount on File
Deed Document Number	20152015OR-13581
Last Transfer Date	Jul 22, 2016
Transfer Doc	0000008821
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020483
Date	Nov 24, 2021
Instrument	2021OR-20483

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	178 Months
Due	Sep 1, 2036

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970
Investor	Possibly a Property Investor

Mortgage

Document Number	0000020498
Date	Nov 24, 2021
Instrument	2021OR-20498

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	COVINGTON, OH 45318

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	357 Months
Due	Aug 25, 2051

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3555 N WASHINGTON RD, COVINGTON, OH 45318-8970

Mortgage

Document Number	0000011728
Date	Nov 13, 2024
Instrument	2024OR-11728

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Oct 25, 2054

Tax Assessment & Valuation

The 2025 property tax bill for 3555 N Washington Rd was $3,619 with a homeowner's exemption, down 1.3% 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	Concord Township
Unified School District	Troy City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,619.00 (-1.28%) Homeowner's exemption	$104,590 (+11.49%) Land $21,250 Building $83,340	$298,800 Land $60,700 Building $238,100
2024	$3,666.00 (+2.06%) Homeowner's exemption	$93,810 (-) Land $19,220 Building $74,590
2023	$3,592.00 (+16.85%) Homeowner's exemption	$93,810 (-) Land $19,220 Building $74,590	$268,000 (-) Land $54,900 Building $213,100
2022	$3,074.00 Homeowner's exemption	$93,810 Land $19,220 Building $74,590	$268,000 Land $54,900 Building $213,100

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

FEMA maps place 3555 N Washington Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 10, 2023

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 3555 N Washington Rd 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

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