Miami County property record for 427 N Pearl St, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,407 sqft · built 1920 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual on Record |
| Last Sale | $184,000 (Mar 2025) |
| Tax Bill | $1,777 (2025) |
| Deeds & Mortgages | Dec 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-003170 |
| Primary APN | H19-003170 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,407 sqft Living Area |
| 1st Floor Area | 1,200 sqft |
| Attic Area | 207 sqft |
| Basement Area | 1,200 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1920 |
|---|---|
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Dimensions | 135 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
|---|---|
| Porch Area | 372 sqft |
| Shed | 1 Shed |
| Shed Area | 420 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Connected |
| Old Parcel Number | H19NH047 00500 |
|---|---|
| Street Address | 427 N PEARL ST |
| City | COVINGTON |
| State | OH |
| Zip | 45318-1443 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 201 66 |
| Legal Subdivision | COVINGTON VILLAGE |
| Legal Lot Number | 201 66 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 325000 |
Source: Miami County assessment roll, as of January 1, 2025
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 427 N PEARL ST, COVINGTON, OH 45318-1443 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 31, 2025 · Amount on Record |
| Deed Sale | Mar 31, 2025 · Amount on Record |
| Prior Sale | May 19, 2016 · Amount on Record |
| Deed Document Number | 480 |
| Record Updated | Jun 8, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Dec 20, 2023 |
| Property Address | 427 N PEARL ST, COVINGTON, OH 45318-1443 |
| Document Number | 0000013919 |
| Instrument Date | Dec 18, 2023 |
| Instrument | 2023OR-13919 |
| Transaction Type | Transfer |
| Record Updated | Jan 12, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Miami County assessment roll, as of January 1, 2025
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,777.00 (+23.83%) Homeowner's exemption | $54,390 (+42.16%) Land $11,200 Building $43,190 | $155,400 (+42.18%) Land $32,000 Building $123,400 |
| 2024 | $1,435.00 (+3.84%) Homeowner's exemption | $38,260 (-) Land $12,150 Building $26,110 | |
| 2023 | $1,382.00 (-3.42%) Homeowner's exemption | $38,260 (-) Land $12,150 Building $26,110 | $109,300 (-) Land $34,700 Building $74,600 |
| 2022 | $1,431.00 Homeowner's exemption | $38,260 Land $12,150 Building $26,110 | $109,300 Land $34,700 Building $74,600 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 90% 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures