503 N High St, Covington, OH 45318 Property Records

Miami County property record for 503 N High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,229 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Apr 2023)
Tax Bill	$2,435 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-005780`

Property Details

APN / Parcel Number

Primary APN	`H19-005780`
Alternative APNs	`080519.4-01-015-00` `H19NH039 00600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,229 sqft Living Area
1st Floor Area	3,406 sqft
Attic	Attic
Attic Area	508 sqft
Basement Area	1,412 sqft
Unfinished Basement	1,412 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	137 ft deep x 61 ft wide
Garage Type	Detached
Garage Area	920 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	645 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	503 N HIGH ST
City	COVINGTON
State	OH
Zip	45318-1415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 456 60.5
Legal Subdivision	CATHERINE SHELLABARGERS ADD
Legal Lot Number	456
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1009
Census Tract	325000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	503 N HIGH ST, COVINGTON, OH 45318-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL
Apr 6, 2023	Warranty Deed, Transfer · VA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2023 · Amount on Record
Deed Sale	Apr 6, 2023 · Amount on Record
Prior Sale	May 21, 1993 · Amount on Record
Deed Document Number	20233578
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Jun 29, 2026
Property Address	503 N HIGH ST, COVINGTON, OH 45318-1415
Document Number	0000007940
Instrument Date	Jun 24, 2026
Instrument	20267940
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 N HIGH ST, COVINGTON, OH 45318-1415

Mortgage

Document Number	0000007940,
Date	Jun 29, 2026
Instrument	20267940

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 6, 2023
Property Address	503 N HIGH ST, COVINGTON, OH 45318-1415
Document Number	0000003578
Instrument Date	Mar 30, 2023
Instrument	2023OR-03578
Transaction Type	Transfer
Record Updated	Apr 17, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	503 N HIGH ST, COVINGTON, OH 45318-1415

Mortgage

Document Number	0000003579
Date	Apr 6, 2023
Instrument	2023OR-03579

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2053

Tax Assessment & Valuation

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	$2,435.00 (+12.99%) Homeowner's exemption	$80,610 (+40.07%) Land $10,890 Building $69,720	$230,300 (+40.09%) Land $31,100 Building $199,200
2024	$2,155.00 (+1.46%) Homeowner's exemption	$57,550 (-) Land $11,800 Building $45,750
2023	$2,124.00 (-3.41%)	$57,550 (-) Land $11,800 Building $45,750	$164,400 (-) Land $33,700 Building $130,700
2022	$2,199.00	$57,550 Land $11,800 Building $45,750	$164,400 Land $33,700 Building $130,700

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

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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

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