735 E Spring St, Covington, OH 45318 Property Records

Miami County property record for 735 E Spring St, Covington, OH 45318 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	3.5 Baths
Year Built	Built 2017
Square Footage	2,400 sqft Living Area
Lot Size	19,558 sqft (0.449 acres)
Occupancy	Owner Occupied
Last Sale	$332,000 (2017)
Tax Bill	$5,188.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`H19-011926`
Alternative APN	`080529.4-01-014-00`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	7 Rooms
Building Area	2,400 sqft Living Area
1st Floor	2,400 sqft 1st Floor
Upper Floors	1,200 sqft Upper Floors
Basement Area	1,152 sqft Basement
Finished Basement	500 sqft Finished
Unfinished Basement	652 sqft Unfinished
Stories	2 Stories
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 2017
Effective Year Built	Effective 2017
Architectural Style	Conventional Style
Exterior Material	Brick/Stone (Brick and/or Stone) Exterior
Construction Type	Frame Construction
Lot Area	19,558 sqft (0.449 acres)
Depth X Width	195 ft x 100 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Area	784 sqft Garage
Total Buildings	2 Total Buildings
Patio Area	320 sqft Patio
Porch Area	348 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating

Location & Zoning

Street Address	735 E SPRING ST
City	COVINGTON
State	OH
Zip	45318-1544
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IL 1337
Legal Subdivision	SINK SUB
Legal Lot Number	1337
Jurisdiction	MIAMI OH
Minor Civil Division	NEWBERRY
Census Blockgroup	2
Census Block	2047
Census Tract	325000

Owner

Source: Miami County records · APN H19-011926

Assessment roll updated March 6, 2026 · Last verified August 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 File
Mailing Address	735 E SPRING ST, COVINGTON, OH 45318-1544
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Date	Document
Nov 03, 2021	Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage AMERICAN FINANCING CORP
Dec 15, 2017	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE
May 22, 2017	Trustee's Deed, Construction Loan · Building or Construction Mortgage MINSTER BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 15, 2017 · Amount on Record
Deed Sale	Dec 15, 2017 · Amount on Record
Deed Doc Number	20172017OR-15596
Record Refreshed	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	735 E SPRING ST, COVINGTON, OH 45318-1544
Transaction Type	Mortgage
Record Updated	Dec 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000019108
Date	Nov 03, 2021
Instrument	2021OR-19108

Lender

Name	AMERICAN FINANCING CORP
Type	Lending Institution
Address	AURORA, CO 80014

Agreement

Type	Federal Housing Administration (FHA) Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2051

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 15, 2017
Property Address	735 E SPRING ST, COVINGTON, OH 45318-1544
Document Number	0000015596
Instrument Date	Dec 08, 2017
Instrument	15596
Transaction Type	Transfer
Record Updated	Jan 15, 2018
Title Company	FIRST TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$664.00
Additional	Arms Length Transaction

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenant/Joint Tenant w/ Right Of Survivorship
Address	735 E SPRING ST COVINGTON OH 453181544, COVINGTON, OH 45318-1544

Mortgage

Document Number	15597
Date	Dec 15, 2017
Instrument	15597

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Dec 14, 2047

Interest

Rate Type	Adjustable Rate

May 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	MIAMI OH
Recording Date	May 22, 2017
Property Address	735 E SPRING ST, COVINGTON, OH 45318-1544
Instrument Date	May 19, 2017
Instrument	6087
Transaction Type	Construction Loan
Record Updated	Apr 04, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 980 TROY OH 453730980, TROY, OH 45373-0980

Mortgage

Document Number	0000006087
Date	May 22, 2017
Instrument	6087

Lender

Name	MINSTER BK
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Building or Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 21, 2018

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 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

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	$5,188.00 (-4.17%) Homeowner's exemption	$171,750 (+18.81%) Land $16,280 Building $155,470	$490,700 (+18.81%) Land $46,500 Building $444,200
2024	$5,414.00 (+3.82%) Homeowner's exemption	$144,560 (-) Land $17,610 Building $126,950
2023	$5,215.00 (-3.43%) Homeowner's exemption	$144,560 (-) Land $17,610 Building $126,950	$413,000 (-) Land $50,300 Building $362,700
2022	$5,400.00 Homeowner's exemption	$144,560 Land $17,610 Building $126,950	$413,000 Land $50,300 Building $362,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

735 E Spring St, Covington, OH 45318 Property Records

Property Highlights

Property Details

APN / Parcel Number

Interior

Exterior

Utilities and HVAC

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

November 2021: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2017: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

May 2017: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on E Spring St

Nearby Streets

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