704 N Pearl St, Covington, OH 45318 Property Records

Miami County property record for 704 N Pearl St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,515 sqft · built 1961
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Owner Names on Record
Tax Bill	$2,827 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-010870`

Property Details

APN / Parcel Number

Primary APN	`H19-010870`
Alternative APNs	`080520.3-03-035-00` `H19NH050 02000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,515 sqft Living Area
1st Floor Area	1,515 sqft
Basement Area	1,515 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1961
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	119 ft deep x 73 ft wide
Garage Type	Mixed
Garage Area	993 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	112 sqft
Deck Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19NH050 02000
Street Address	704 N PEARL ST
City	COVINGTON
State	OH
Zip	45318-1450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 1107 73.5
Legal Lot Number	1107 73
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1003
Census Tract	325000

Owner

Source: Miami County records, as of March 5, 2026

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

Owner of Record	2 Owner Names on Record
Mailing Address	704 N PEARL ST, COVINGTON, OH 45318-1450
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Jan 23, 2023	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Nov 5, 2021	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 26, 2004
Transfer Doc	0000408022
Record Updated	Jun 8, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	704 N PEARL ST, COVINGTON, OH 45318-1450
Transaction Type	Mortgage
Record Updated	Feb 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	704 N PEARL ST, COVINGTON, OH 45318-1450

Mortgage

Document Number	0000000740
Date	Jan 23, 2023
Instrument	2023OR-00740

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	704 N PEARL ST, COVINGTON, OH 45318-1450
Transaction Type	Mortgage
Record Updated	Dec 13, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019283
Date	Nov 5, 2021
Instrument	2021OR-19283

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Dec 1, 2036

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$2,827.00 (+28.62%) Homeowner's exemption	$86,590 (+47.51%) Land $11,060 Building $75,530	$247,400 (+47.53%) Land $31,600 Building $215,800
2024	$2,198.00 (+3.83%) Homeowner's exemption	$58,700 (-) Land $11,970 Building $46,730
2023	$2,117.00 (-3.42%) Homeowner's exemption	$58,700 (-) Land $11,970 Building $46,730	$167,700 (-) Land $34,200 Building $133,500
2022	$2,192.00 Homeowner's exemption	$58,700 Land $11,970 Building $46,730	$167,700 Land $34,200 Building $133,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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
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 98% of the US · lower than 90% 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

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