578 S High St, Covington, OH 45318 Property Records

Miami County property record for 578 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 2,253 sqft · built 1915
Lot Size	0.454 acres (19,776 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Aug 2021)
Tax Bill	$2,411 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Sep 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-002660`

Property Details

APN / Parcel Number

Primary APN	`H19-002660`
Alternative APNs	`080529.3-28-030-00` `H19SH009 01800`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,253 sqft Living Area
1st Floor Area	2,496 sqft
Upper Floors Area	1,005 sqft
Basement Area	1,248 sqft
Unfinished Basement	1,248 sqft

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1915
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	19,776 sqft (0.454 acres)
Lot Dimensions	132 ft deep x 149 ft wide
Porch	Slab
Porch Area	284 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	578 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 163 155.3 W PT
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	163
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2060
Census Tract	325000

Owner

578 S High St is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	578 S HIGH ST, COVINGTON, OH 45318-1126
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
Feb 23, 2026	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Sep 23, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC
Aug 3, 2021	Warranty Deed, Transfer · FHA Mortgage WESTERN OHIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2021 · Amount on File
Deed Sale	Aug 3, 2021 · Amount on File
Prior Sale	Aug 3, 2021 · Amount on File
Deed Document Number	20212021OR-13474
Record Updated	Oct 29, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	578 S HIGH ST, COVINGTON, OH 45318-1126
Transaction Type	Mortgage
Record Updated	Mar 5, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 S HIGH ST, COVINGTON, OH 45318-1126

Mortgage

Document Number	0000001996
Date	Feb 23, 2026
Instrument	2026OR-01996

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	3560 PENTAGON BLVD, BEAVERCREEK, OH 45431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Feb 25, 2051

Interest

Change Frequency	Monthly

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 23, 2021
Property Address	578 S HIGH ST, COVINGTON, OH 45318-1126
Document Number	0000016697
Map Reference	VOL 23 PG 112
Instrument Date	Aug 26, 2021
Instrument	2021OR-16697
Transaction Type	Transfer
Record Updated	Dec 3, 2021
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 S HIGH ST, COVINGTON, OH 45318-1126

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 3, 2021
Property Address	578 S HIGH ST, COVINGTON, OH 45318-1126
Document Number	0000013474
Map Reference	VOL 23 PG 112
Instrument Date	Jul 26, 2021
Instrument	2021OR-13474
Transaction Type	Transfer
Record Updated	Aug 18, 2021
Title Company	CHICAGO TITLE COMPANY/CA, CHICAGO TITLE COMPANY LLC

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	578 S HIGH ST, COVINGTON, OH 45318-1126

Mortgage

Document Number	0000013475
Date	Aug 3, 2021
Instrument	2021OR-13475

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 578 S High St was $2,411 with a homeowner's exemption, down 0.8% 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
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	$2,411.00 (-0.78%) Homeowner's exemption	$79,800 (+23.03%) Land $18,410 Building $61,390	$228,000 Land $52,600 Building $175,400
2024	$2,430.00 (+3.8%) Homeowner's exemption	$64,860 (-) Land $19,920 Building $44,940
2023	$2,341.00 (-3.42%) Homeowner's exemption	$64,860 (-) Land $19,920 Building $44,940	$185,300 (-) Land $56,900 Building $128,400
2022	$2,424.00 Homeowner's exemption	$64,860 Land $19,920 Building $44,940	$185,300 Land $56,900 Building $128,400

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

FEMA maps place 578 S High St in Zone X, an area of minimal flood risk, within 100 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 A, within 100 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

Wildfire risk around 578 S 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 94% of the US · lower than 74% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 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

Nearby Properties on S High St

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