532 S High St, Covington, OH 45318 Property Records

Miami County property record for 532 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,271 sqft · built 1920
Lot Size	0.22 acres (9,583 sqft)
Owner	2 Individual Names on Record
Last Sale	$24,000 (Jun 1983)
Tax Bill	$831 (2025)
Deeds & Mortgages	Apr 2024 Line of Credit Jul 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-002540`

Property Details

APN / Parcel Number

Primary APN	`H19-002540`
Alternative APNs	`080529.3-28-024-00` `H19SH009 02300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,271 sqft Living Area
1st Floor Area	2,050 sqft
Attic	Attic
Attic Area	246 sqft
Basement Area	625 sqft
Unfinished Basement	625 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	132 ft deep x 74 ft wide
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	296 sqft
Shed	1 Shed
Shed Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	532 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 155 74
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	155
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2060
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	2 Individual Names on Record
Mailing Address	532 S HIGH ST, COVINGTON, OH 45318-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 4, 2024	Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK OF WESTERN OHIO
Jul 13, 2021	Intrafamily Transfer, Transfer
Aug 15, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 1, 1983 · Amount on Record
Deed Sale	Jun 1, 1983 · Amount on Record
Last Transfer Date	Jun 30, 2021
Transfer Doc	0000012194
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	532 S HIGH ST, COVINGTON, OH 45318-1126
Transaction Type	Mortgage
Record Updated	Apr 25, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	532 S HIGH ST, COVINGTON, OH 45318-1126

Mortgage

Document Number	0000003317
Date	Apr 4, 2024
Instrument	2024OR-03317

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Mar 25, 2054

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Jul 13, 2021
Property Address	532 S HIGH ST, COVINGTON, OH 45318-1126
Document Number	0000012194
Instrument Date	Jun 30, 2021
Instrument	2021OR-12194
Transaction Type	Transfer
Record Updated	Aug 12, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	532 S HIGH ST, COVINGTON, OH 45318-1126

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	532 S HIGH ST, COVINGTON, OH 45318-1126
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000010049
Date	Aug 15, 2017
Instrument	2017OR-10049

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount Recorded
Term	121 Months
Due	Sep 1, 2027

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	$831.00 (-15.55%) Homeowner's exemption	$48,900 (+36.29%) Land $11,800 Building $37,100	$139,700 (+36.29%) Land $33,700 Building $106,000
2024	$984.00 (+1.44%) Homeowner's exemption	$35,880 (-) Land $12,780 Building $23,100
2023	$970.00 (-27.61%) Homeowner's exemption	$35,880 (-) Land $12,780 Building $23,100	$102,500 (-) Land $36,500 Building $66,000
2022	$1,340.00 Homeowner's exemption	$35,880 Land $12,780 Building $23,100	$102,500 Land $36,500 Building $66,000

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

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	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2017 · other causes

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	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.

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 532 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 · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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