592 S High St, Covington, OH 45318 Property Records

Miami County property record for 592 S High St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,534 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,000 (Jul 2026)
Tax Bill	$1,893 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jun 2017 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`H19-005200`

Property Details

APN / Parcel Number

Primary APN	`H19-005200`
Alternative APNs	`080529.3-28-033-00` `H19SH008 01400`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,534 sqft Living Area
1st Floor Area	2,128 sqft
Upper Floors Area	470 sqft
Basement Area	238 sqft
Unfinished Basement	238 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	126 ft deep x 66 ft wide
Garage Type	Detached
Garage Area	784 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	507 sqft
Deck Area	180 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	592 S HIGH ST
City	COVINGTON
State	OH
Zip	45318-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 404 66
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	404
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2060
Census Tract	325000

Owner

Source: Miami County records, as of August 13, 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	592 S HIGH ST, COVINGTON, OH 45318-1126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 1, 2017	Loan Modification, Mortgage · Conventional Mortgage JP MORGAN CHASE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 31, 2026 · Amount on Record
Deed Sale	Jul 31, 2026 · Amount on Record
Prior Sale	Jun 20, 2000 · Amount on Record
Deed Document Number	20269576
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 31, 2026
Property Address	592 S HIGH ST, COVINGTON, OH 45318-1126
Document Number	0000009576
Instrument Date	Jul 17, 2026
Instrument	20269576
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$46,056.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	592 S HIGH ST, COVINGTON, OH 45318-1126

Mortgage

Document Number	0000009577,
Date	Jul 31, 2026
Instrument	20269577

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

June 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	MIAMI OH
Property Address	592 S HIGH ST, COVINGTON, OH 45318-1126
Document Number	0000006879
Instrument Date	Jun 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	592 S HIGH ST COVINGTON OH 453181126, COVINGTON, OH 45318-1126

Mortgage

Document Number	0000006879
Date	Jun 8, 2017
Instrument	6879

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43219-6009

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 7, 2047

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	$1,893.00 (+5.28%) Homeowner's exemption	$62,690 (+30.52%) Land $10,890 Building $51,800	$179,100 (+30.54%) Land $31,100 Building $148,000
2024	$1,798.00 (+3.81%) Homeowner's exemption	$48,030 (-) Land $11,800 Building $36,230
2023	$1,732.00 (-3.46%) Homeowner's exemption	$48,030 (-) Land $11,800 Building $36,230	$137,200 (-) Land $33,700 Building $103,500
2022	$1,794.00 Homeowner's exemption	$48,030 Land $11,800 Building $36,230	$137,200 Land $33,700 Building $103,500

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 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

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

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