730 N Pearl St, Covington, OH 45318 Property Records

Miami County property record for 730 N Pearl St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,397 sqft · built 1990
Lot Size	0.22 acres (9,583 sqft)
Owner	Company Name on Record
Last Sale	$12,000 (Mar 1990)
Tax Bill	$1,797 (2025)
Deeds & Mortgages	Oct 2023 Transfer Sep 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-011550`

Property Details

APN / Parcel Number

Primary APN	`H19-011550`
Alternative APNs	`080520.3-03-031-00` `H19NH050 01600`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,397 sqft Living Area
1st Floor Area	2,794 sqft
Basement Area	1,397 sqft
Unfinished Basement	1,397 sqft

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	9,583 sqft (0.22 acres)
Lot Dimensions	132 ft deep x 73 ft wide
Garage Area	550 sqft
Parking Spaces	2 Parking Spaces
Canopy	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	730 N PEARL ST
City	COVINGTON
State	OH
Zip	45318-1450
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL-1224 72.78'
Legal Lot Number	1224
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1003
Census Tract	325000

Owner

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

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

Owner of Record	Company Name on Record
Mailing Address	730 N PEARL ST, COVINGTON, OH 45318-1450
Occupancy	Owner Occupied
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2023	Transfer on Death Deed, Transfer
Sep 22, 2023	Transfer on Death Deed, Transfer
May 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage COVINGTON S&L ASSN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 5, 1990 · Amount on Record
Deed Sale	Mar 5, 1990 · Amount on Record
Last Transfer Date	Oct 26, 2023
Transfer Doc	0000011927
Record Updated	Sep 20, 2026

October 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 27, 2023
Property Address	730 N PEARL ST, COVINGTON, OH 45318-1450
Document Number	0000011927
Map Reference	MB 12 PG 138
Instrument Date	Oct 25, 2023
Instrument	2023OR-11927
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 N PEARL ST, COVINGTON, OH 45318-1450

September 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 22, 2023
Property Address	730 N PEARL ST, COVINGTON, OH 45318-1450
Document Number	0000010508
Map Reference	MB 12 PG 138
Instrument Date	Sep 20, 2023
Instrument	2023OR-10508
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 N PEARL ST, COVINGTON, OH 45318-1450

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	730 N PEARL ST, COVINGTON, OH 45318-1450
Document Number	0000006402
Instrument Date	May 23, 2017
Transaction Type	Mortgage
Record Updated	Aug 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	730 N PEARL ST COVINGTON OH 453181450, COVINGTON, OH 45318-1450

Mortgage

Document Number	0000006402
Date	May 30, 2017
Instrument	6402

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	COVINGTON, OH 45318

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 29, 2022

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	$1,797.00 (-9.74%) Homeowner's exemption	$81,030 (+29.11%) Land $11,730 Building $69,300	$231,500 (+29.11%) Land $33,500 Building $198,000
2024	$1,991.00 (+2.63%) Homeowner's exemption	$62,760 (-) Land $12,710 Building $50,050
2023	$1,940.00 (-17.24%) Homeowner's exemption	$62,760 (-) Land $12,710 Building $50,050	$179,300 (-) Land $36,300 Building $143,000
2022	$2,344.00 Homeowner's exemption	$62,760 Land $12,710 Building $50,050	$179,300 Land $36,300 Building $143,000

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 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.

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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