5245 N Front St, Covington, OH 45318 Property Records

Miami County property record for 5245 N Front St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,283 sqft · built 1920
Lot Size	0.238 acres (10,395 sqft)
Owner	Individual Name on File
Last Sale	$58,000 (Nov 2017)
Tax Bill	$1,052 (2025)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H17-051409`

Property Details

APN / Parcel Number

Primary APN	`H17-051409`
Alternative APNs	`080530.4-03-024-00` `H17WC002 00200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,283 sqft Living Area
1st Floor Area	2,566 sqft
Basement Area	268 sqft
Unfinished Basement	268 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,395 sqft (0.238 acres)

Exterior Amenities

Porch	Porch
Porch Area	136 sqft
Deck Area	Deck Area
Patio Area	195 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5245 N FRONT ST
City	COVINGTON
State	OH
Zip	45318-1115
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 8 82 1/2 W COV 6' VAC ALLEY
Legal Lot Number	8
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	3
Census Block	3017
Census Tract	320100

Owner

5245 N Front St is owned and occupied by an individual who bought it in November 2017.

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

Owner of Record	Individual Name on File
Mailing Address	5245 N FRONT ST, COVINGTON, OH 45318-1115
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 6, 2017 · Amount on File
Deed Sale	Nov 6, 2017 · Amount on File
Prior Sale	Oct 20, 2015 · Amount on File
Deed Document Number	2017OR-13687
Record Updated	Oct 29, 2026

November 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 6, 2017
Property Address	5245 N FRONT ST, COVINGTON, OH 45318-1115
Document Number	0000013687
Instrument Date	Oct 25, 2017
Instrument	13687
Transaction Type	Transfer
Record Updated	Dec 12, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5245 N FRONT ST COVINGTON OH 453181115, COVINGTON, OH 45318-1115

Mortgage

Document Number	13688
Date	Nov 6, 2017
Instrument	13688

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	117 N HIGH ST, COVINGTON, OH 45318-1307

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5245 N Front St was $1,052 with a homeowner's exemption, down 3.1% 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
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,052.00 (-3.13%) Homeowner's exemption	$37,810 (+16.02%) Land $4,660 Building $33,150	$108,000 Land $13,300 Building $94,700
2024	$1,086.00 (+2.55%) Homeowner's exemption	$32,590 (-) Land $6,060 Building $26,530
2023	$1,059.00 (-3.73%) Homeowner's exemption	$32,590 (-) Land $6,060 Building $26,530	$93,100 (-) Land $17,300 Building $75,800
2022	$1,100.00 Homeowner's exemption	$32,590 Land $6,060 Building $26,530	$93,100 Land $17,300 Building $75,800

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

Flood

FEMA maps place 5245 N Front St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	4 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 5245 N Front 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 95% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 82 locations within half a mile, as of December 31, 2025

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

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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