759 N Pearl St, Covington, OH 45318 Property Records

Miami County property record for 759 N Pearl St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 884 sqft · built 1960
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$170,000 (Oct 2021)
Tax Bill	$2,187 (2025)
Deeds & Mortgages	Oct 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H19-010900`

Property Details

APN / Parcel Number

Primary APN	`H19-010900`
Alternative APNs	`080520.3-03-025-00` `H19NH051 01000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	884 sqft Living Area
1st Floor Area	1,768 sqft
Basement Area	884 sqft
Unfinished Basement	442 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 2015
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	110 ft deep x 74 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	140 sqft
Patio Area	108 sqft
Canopy	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	759 N PEARL ST
City	COVINGTON
State	OH
Zip	45318-1449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 1110 74.5X110
Legal Lot Number	1110
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 28, 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	759 N PEARL ST, COVINGTON, OH 45318-1449
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2021 · Amount on Record
Deed Sale	Oct 8, 2021 · Amount on Record
Prior Sale	Jun 1, 2000 · Amount on Record
Deed Document Number	20212021OR-17642
Record Updated	Oct 29, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 8, 2021
Property Address	759 N PEARL ST, COVINGTON, OH 45318-1449
Document Number	0000017642
Instrument Date	Sep 21, 2021
Instrument	2021OR-17642
Transaction Type	Transfer
Record Updated	Dec 10, 2021

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	759 N PEARL ST, COVINGTON, OH 45318-1449

Mortgage

Document Number	0000017643
Date	Oct 8, 2021
Instrument	2021OR-17643

Lender

Name	THE COVINGTON SLA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2051

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	$2,187.00 (+63.58%) Homeowner's exemption	$72,420 (+102.86%) Land $10,780 Building $61,640	$206,900 (+102.84%) Land $30,800 Building $176,100
2024	$1,337.00 (+3.8%) Homeowner's exemption	$35,700 (-) Land $11,690 Building $24,010
2023	$1,288.00 (-3.38%) Homeowner's exemption	$35,700 (-) Land $11,690 Building $24,010	$102,000 (-) Land $33,400 Building $68,600
2022	$1,333.00 Homeowner's exemption	$35,700 Land $11,690 Building $24,010	$102,000 Land $33,400 Building $68,600

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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