7465 W Perry Rd, Covington, OH 45318 Property Records

Miami County property record for 7465 W Perry Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,985 sqft · built 1993
Lot Size	11.4 acres (499,764 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jul 2019)
Tax Bill	$3,606 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2022 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`H17-043150`

Property Details

APN / Parcel Number

Primary APN	`H17-043150`
Alternative APNs	`080517.0-02-021-00` `H17NB017B02401`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,985 sqft Living Area
1st Floor Area	1,985 sqft
Basement Area	500 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2021
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	499,764 sqft (11.4 acres)
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	72 sqft
Deck Area	320 sqft
Patio Area	508 sqft
Canopy	364 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	H17NB017B02401
Street Address	7465 W PERRY RD
City	COVINGTON
State	OH
Zip	45318-9689
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5-8-17 SW COR SE & SE COR SW
Legal Range	08
Legal Township	05
Legal Section	17
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1068
Census Tract	320100

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 Individual Names on Record
Mailing Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 29, 2025	Deed of Trust, Mortgage · Line of Credit FIRST BANK RICHMOND NA
Mar 16, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIRST BANK RICHMOND NA
May 7, 2021	Deed of Trust, Mortgage · Line of Credit FIRST BANK RICHMOND NA
Jul 18, 2019	Warranty Deed, Transfer · Conventional Mortgage MUTUAL FED'L
Apr 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage MUTUAL FED'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 18, 2019 · Amount on Record
Deed Sale	Jul 18, 2019 · Amount on Record
Prior Sale	Nov 22, 2006 · Amount on Record
Deed Document Number	1407
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7465 W PERRY RD, COVINGTON, OH 45318-9689

Mortgage

Document Number	0000012519
Date	Oct 29, 2025
Instrument	2025OR-12519

Lender

Name	FIRST BANK RICHMOND NA
Type	Bank
Address	121 S OHIO AVE, SIDNEY, OH 45365

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 25, 2030

Interest

Change Frequency	Monthly

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Transaction Type	Mortgage
Record Updated	Apr 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000004245
Date	Mar 16, 2022
Instrument	2022OR-04245

Lender

Name	FIRST BANK RICHMOND NA
Type	Bank
Address	RICHMOND, IN 47374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Transaction Type	Mortgage
Record Updated	Jul 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7465 W PERRY RD, COVINGTON, OH 45318-9689

Mortgage

Document Number	0000007972
Date	May 7, 2021
Instrument	2021OR-07972

Lender

Name	FIRST BANK RICHMOND NA
Type	Bank
Address	SIDNEY, OH 45365

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 25, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 18, 2019
Property Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Document Number	0000007858
Instrument Date	Jul 15, 2019
Instrument	7858
Transaction Type	Transfer
Record Updated	Aug 5, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$530.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7465 W PERRY RD COVINGTON OH 453189689, COVINGTON, OH 45318-9689

Mortgage

Document Number	7859
Date	Jul 18, 2019
Instrument	7859

Lender

Name	MUTUAL FED'L
Address	RICHMOND, IN 47374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	7465 W PERRY RD, COVINGTON, OH 45318-9689
Document Number	0000003555
Instrument Date	Apr 4, 2019
Transaction Type	Mortgage
Record Updated	Apr 24, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7465 W PERRY RD COVINGTON OH 453189689, COVINGTON, OH 45318-9689

Mortgage

Document Number	0000003555
Date	Apr 9, 2019
Instrument	3555

Lender

Name	MUTUAL FED'L
Address	RICHMOND, IN 47374

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 8, 2034

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
Unified School District	Covington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,606.00 (+19.72%) Homeowner's exemption	$118,890 (+31.98%) Land $15,570 Building $103,320	$439,400 (+18.56%) Land $144,200 Building $295,200
2024	$3,012.00 (+2.59%) Homeowner's exemption	$90,080 (-) Land $11,220 Building $78,860
2023	$2,936.00 (-3.77%) Homeowner's exemption	$90,080 (-) Land $11,220 Building $78,860	$370,600 (-) Land $145,300 Building $225,300
2022	$3,051.00 Homeowner's exemption	$90,080 Land $11,220 Building $78,860	$370,600 Land $145,300 Building $225,300

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 95% of the US · lower than 78% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Starlink Satellite	280 / 30
Windstream Fixed Wireless · DSL in parts of the area	100 / 10
Skymesh Fixed Wireless	50 / 10
NKTELCO - Goldstar Fixed Wireless	50 / 5

May also be available: Verizon.

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