541 N High St, #545, Covington, OH 45318 Property Records

Miami County property record for 541 N High St, #545, Covington, OH 45318

Property Summary

Property Type	Triplex
Details	4 bd · 3.5 ba · 2,937 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$128,000 (Dec 2017)
Tax Bill	$2,316 (2025)
Deeds & Mortgages	Dec 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H19-006360`

Property Details

APN / Parcel Number

Primary APN	`H19-006360`
Alternative APNs	`080519.4-02-011-00` `H19NH041 00100`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Units	3 Units
Stories	2 Stories
Building Area	2,937 sqft Total Area
1st Floor Area	4,402 sqft
Upper Floors Area	736 sqft
Basement Area	732 sqft
Unfinished Basement	732 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,405 sqft (0.17 acres)
Lot Dimensions	122 ft deep x 60 ft wide
Porch	Slab
Porch Area	352 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	541 N HIGH ST, 545
City	COVINGTON
State	OH
Zip	45318-1415
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	IN LOT 514 60
Legal Lot Number	514
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 are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	541 N HIGH ST, 545, COVINGTON, OH 45318-1415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 13, 2017 · Amount on Record
Deed Sale	Dec 13, 2017 · Amount on Record
Prior Sale	Sep 10, 1991 · Amount on Record
Deed Document Number	20172017OR-15441
Record Updated	Oct 29, 2026

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 13, 2017
Property Address	541-545 N HIGH ST, COVINGTON, OH 45318
Document Number	0000015441
Instrument Date	Dec 5, 2017
Instrument	15441
Transaction Type	Transfer
Record Updated	Jan 3, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$256.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8655 FAIRVIEW RD PIQUA OH 453569230, PIQUA, OH 45356-9230

Mortgage

Document Number	15442
Date	Dec 13, 2017
Instrument	15442

Lender

Name	VERSAILLES S&L
Type	Federal Savings Bank
Address	VERSAILLES, OH 45380

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Dec 12, 2032

Interest

Rate Type	Adjustable Rate

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	$2,316.00 (+31.82%)	$74,800 (+63%) Land $10,190 Building $64,610	$213,700 (+63.01%) Land $29,100 Building $184,600
2024	$1,757.00 (+3.78%)	$45,890 (-) Land $11,030 Building $34,860
2023	$1,693.00 (-3.42%)	$45,890 (-) Land $11,030 Building $34,860	$131,100 (-) Land $31,500 Building $99,600
2022	$1,753.00	$45,890 Land $11,030 Building $34,860	$131,100 Land $31,500 Building $99,600

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.

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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