5280 N Walnut St, Covington, OH 45318 Property Records

Miami County property record for 5280 N Walnut St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	6 bd · 3 ba · 2,488 sqft · built 1920
Lot Size	1.67 acres (72,832 sqft)
Owner	2 Individual Names on File
Last Sale	$78,000 (Apr 1991)
Tax Bill	$3,388 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Aug 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H17-037820`

Property Details

APN / Parcel Number

Primary APN	`H17-037820`
Alternative APNs	`080530.4-01-024-00` `H17WC010 00200`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	2,488 sqft Living Area
1st Floor Area	4,440 sqft
Upper Floors Area	268 sqft
Basement Area	868 sqft
Unfinished Basement	868 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	72,832 sqft (1.67 acres)
Garage Type	Mixed
Garage Area	1,024 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	240 sqft
Deck Area	200 sqft
Patio Area	200 sqft
Shed	1 Shed
Shed Area	432 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5280 N WALNUT ST
City	COVINGTON
State	OH
Zip	45318-1149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-8-30 PT SE QTR
Legal Range	05
Legal Township	08
Legal Section	30
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	3
Census Block	3011
Census Tract	320100

Owner

5280 N Walnut St is owned and occupied by two individuals who bought it in April 1991.

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

Owner of Record	2 Individual Names on File
Mailing Address	5280 N WALNUT ST, COVINGTON, OH 45318-1149
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
May 12, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK
Aug 2, 2017	Deed of Trust, Mortgage GREENVILLE FED'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 18, 1991 · Amount on File
Deed Sale	Apr 18, 1991 · Amount on File
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 12, 2022
Property Address	5280 N WALNUT ST, COVINGTON, OH 45318-1149
Document Number	0000007553
Instrument Date	May 9, 2022
Instrument	2022OR-07553
Transaction Type	Transfer
Record Updated	May 25, 2022
Title Company	LANDSTAR TITLE AGENCY INC, LANDMARK TITLE AGENCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	5280 N WALNUT ST, COVINGTON, OH 45318-1149

Mortgage

Document Number	0000007554
Date	May 12, 2022
Instrument	2022OR-07554

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.5%
Type Change Date	Jun 1, 2027
Change Frequency	Annually
Min Rate At Change	3.75%
Max Rate At Change	9.5%
Index	1-Year CMT
Max Rate	9.5%

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	5280 N WALNUT ST, COVINGTON, OH 45318-1149
Document Number	0000009701
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Sep 5, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5280 N WALNUT ST COVINGTON OH 453181149, COVINGTON, OH 45318-1149

Mortgage

Document Number	0000009701
Date	Aug 8, 2017
Instrument	9701

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	GREENVILLE, OH 45331

Agreement

Amount	Amount on Record
Term	180 Months
Due	Aug 7, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 5280 N Walnut St was $3,388 with a homeowner's exemption, up 48.9% 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	$3,388.00 (+48.92%) Homeowner's exemption	$121,280 (+77.78%) Land $14,280 Building $107,000	$346,500 Land $40,800 Building $305,700
2024	$2,275.00 (+2.62%) Homeowner's exemption	$68,220 (-) Land $11,690 Building $56,530
2023	$2,217.00 (-3.78%) Homeowner's exemption	$68,220 (-) Land $11,690 Building $56,530	$194,900 (-) Land $33,400 Building $161,500
2022	$2,304.00 Homeowner's exemption	$68,220 Land $11,690 Building $56,530	$194,900 Land $33,400 Building $161,500

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

Flood

FEMA maps place 5280 N Walnut 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 5280 N Walnut 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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