Miami County property record for 549 N High St, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,566 sqft · built 1920 |
| Lot Size | 0.176 acres (7,667 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $29,900 (Mar 1979) |
| Tax Bill | $1,724 (2025) |
| Deeds & Mortgages | Aug 2019 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-006370 |
| Primary APN | H19-006370 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,566 sqft Living Area |
| 1st Floor Area | 2,416 sqft |
| Upper Floors Area | 358 sqft |
| Basement Area | 808 sqft |
| Unfinished Basement | 808 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 7,667 sqft (0.176 acres) |
| Lot Dimensions | 128 ft deep x 60 ft wide |
| Garage Type | Detached |
| Garage Area | 420 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 140 sqft |
| Patio Area | 344 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 549 N HIGH ST |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1415 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IN LOT 515 60 & 6' VAC ALLEY |
| Legal Lot Number | 515 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 325000 |
549 N High St is owned and occupied by two individuals who bought it in March 1979.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 549 N HIGH ST, COVINGTON, OH 45318-1415 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 1, 1979 · Amount on File |
| Deed Sale | Mar 1, 1979 · Amount on File |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 549 N HIGH ST, COVINGTON, OH 45318-1415 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | SOLIDIFI US INC |
| Name | Verified Name |
|---|
| Document Number | 0000008958 |
|---|---|
| Date | Aug 9, 2019 |
| Instrument | 2019OR-08958 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
The 2025 property tax bill for 549 N High St was $1,724, up 9.3% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,724.00 (+9.32%) | $55,660 (+35.2%) Land $10,400 Building $45,260 | $159,000 Land $29,700 Building $129,300 |
| 2024 | $1,577.00 (+3.82%) | $41,170 (-) Land $11,240 Building $29,930 | |
| 2023 | $1,519.00 (-3.43%) | $41,170 (-) Land $11,240 Building $29,930 | $117,600 (-) Land $32,100 Building $85,500 |
| 2022 | $1,573.00 | $41,170 Land $11,240 Building $29,930 | $117,600 Land $32,100 Building $85,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 549 N High 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 | 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 risk around 549 N High 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 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.
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 |
| 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.
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 |
5G (outdoors only) and 4G LTE
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