731 N Pearl St, Covington, OH 45318 Property Records

Miami County property record for 731 N Pearl St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,053 sqft · built 1971
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$129,900 (Jun 2023)
Tax Bill	$1,622 (2025)
Deeds & Mortgages	Jun 2023 Sale & Mortgage Jan 2023 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`H19-011445`

Property Details

APN / Parcel Number

Primary APN	`H19-011445`
Alternative APNs	`080520.3-03-021-00` `H19NH050 01400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,053 sqft Living Area
1st Floor Area	2,106 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	128 ft deep x 55 ft wide
Garage Area	264 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	60 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	731 N PEARL ST
City	COVINGTON
State	OH
Zip	45318-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 1174 55.13
Legal Lot Number	1174
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1008
Census Tract	325000

Owner

Source: Miami County records, as of July 21, 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 Record
Mailing Address	731 N PEARL ST, COVINGTON, OH 45318-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2023	Warranty Deed, Transfer · Conventional Mortgage NEWREZ LLC
Jan 5, 2023	Sheriff's Deed, Foreclosure Foreclosure Auction

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2023 · Amount on Record
Deed Sale	Jun 28, 2023 · Amount on Record
Prior Sale	Jan 5, 2023 · Amount on Record
Deed Document Number	20236878
Record Updated	Sep 20, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 28, 2023
Property Address	731 N PEARL ST, COVINGTON, OH 45318-1449
Document Number	0000006878
Instrument Date	Jun 23, 2023
Instrument	2023OR-06878
Transaction Type	Transfer
Record Updated	Jul 11, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	123 DESHLER AVE, GREENVILLE, OH 45331-1808

Mortgage

Document Number	0000006879
Date	Jun 28, 2023
Instrument	2023OR-06879

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

January 2023: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 5, 2023
Property Address	731 N PEARL ST, COVINGTON, OH 45318-1449
Document Number	0000000162
Instrument Date	Dec 14, 2022
Instrument	2023OR-00162
Transaction Type	Foreclosure
Record Updated	Jan 20, 2023

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$1,622.00 (+16.61%) Homeowner's exemption	$49,700 (+33.82%) Land $9,520 Building $40,180	$142,000 (+33.84%) Land $27,200 Building $114,800
2024	$1,391.00 (+1.53%) Homeowner's exemption	$37,140 (-) Land $10,330 Building $26,810
2023	$1,370.00 (-3.45%)	$37,140 (-) Land $10,330 Building $26,810	$106,100 (-) Land $29,500 Building $76,600
2022	$1,419.00	$37,140 Land $10,330 Building $26,810	$106,100 Land $29,500 Building $76,600

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
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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