5821 W State Rte 41, Covington, OH 45318 Property Records

Miami County property record for 5821 W State Rte 41, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,328 sqft · built 1920
Lot Size	2.89 acres (125,888 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Mar 2020)
Tax Bill	$2,921 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Mar 2020 Sale
Flood Zone	Zone A (high risk)
APN	`I22-000010`

Property Details

APN / Parcel Number

Primary APN	`I22-000010`
Alternative APN	`070503.0-01-038-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,328 sqft Living Area
1st Floor Area	1,308 sqft
2nd Floor Area	1,020 sqft
Upper Floors Area	1,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1992
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	125,888 sqft (2.89 acres)

Exterior Amenities

Porch	Open Porch
Porch Area	225 sqft
Shed	1 Shed
Shed Area	216 sqft
Lean-To	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	5821 W STATE ROUTE 41
City	COVINGTON
State	OH
Zip	45318-9744
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-7-3 TR A N CEN PT NW
Legal Range	07
Legal Township	05
Legal Section	03
Legal Tract	A
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	3
Census Block	3001
Census Tract	330100

Owner

Source: Miami County records · APN I22-000010

Assessment roll updated January 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5821 W STATE ROUTE 41, COVINGTON, OH 45318-9744
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2020	Warranty Deed, Transfer · Conventional Mortgage T2 RINANCIAL LLC
Mar 26, 2020	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 26, 2020 · Amount on Record
Deed Sale	Mar 26, 2020 · Amount on Record
Prior Sale	Mar 26, 2020 · Amount on Record
Deed Document Number	501
Record Updated	Jun 08, 2026

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 26, 2020
Property Address	5821 W STATE ROUTE 41, COVINGTON, OH 45318-9744
Document Number	0000003931
Instrument Date	Mar 26, 2020
Instrument	2020OR-03931
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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
Address	5821 W STATE ROUTE 41, COVINGTON, OH 45318-9744

Mortgage

Document Number	0000003932
Date	Mar 26, 2020
Instrument	2020OR-03932

Lender

Name	T2 RINANCIAL LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 26, 2020
Property Address	5821 W STATE ROUTE 41, COVINGTON, OH 45318-9744
Document Number	0000003927
Instrument Date	Mar 13, 2020
Instrument	3927
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$440.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5821 W STATE ROUTE 41 COVINGTON OH 453189744, COVINGTON, OH 45318-9744

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newton Township
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,921.00 (+30.4%) Homeowner's exemption	$84,630 (+29.64%) Land $18,970 Building $65,660	$241,800 (+29.65%) Land $54,200 Building $187,600
2024	$2,240.00 (+2.52%) Homeowner's exemption	$65,280 (-) Land $15,470 Building $49,810
2023	$2,185.00 (-3.7%) Homeowner's exemption	$65,280 (-) Land $15,470 Building $49,810	$186,500 (-) Land $44,200 Building $142,300
2022	$2,269.00 Homeowner's exemption	$65,280 Land $15,470 Building $49,810	$186,500 Land $44,200 Building $142,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	3 in force

Wildfire

Wildfire Risk	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 4 locations within half a mile of this property.

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