Miami County property record for 8970 W State Rte 185, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,154 sqft · built 1920 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $61,000 (Aug 1993) |
| Tax Bill | $1,429 (2025) |
| Deeds & Mortgages | Feb 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | H17-047890 |
| Primary APN | H17-047890 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,154 sqft Living Area |
| 1st Floor Area | 2,032 sqft |
| Attic | Attic |
| Attic Area | 138 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 576 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1974 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 48,787 sqft (1.12 acres) |
| Garage Type | Detached |
| Garage Area | 384 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 588 sqft |
| Deck Area | 350 sqft |
| Patio Area | 638 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 8970 W STATE ROUTE 185 |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-9613 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-8-7 NW COR SW |
| Legal Range | 05 |
| Legal Township | 08 |
| Legal Section | 07 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1026 |
| Census Tract | 320100 |
Source: Miami County records · APN H17-047890
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 | 8970 W STATE ROUTE 185, COVINGTON, OH 45318-9613 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 04, 1993 · Amount on Record |
| Deed Sale | Aug 04, 1993 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 8970 W STATE ROUTE 185, COVINGTON, OH 45318-9613 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002087 |
|---|---|
| Date | Feb 21, 2017 |
| Instrument | 2017OR-02087 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Mar 01, 2037 |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Unified School District | Covington Exempted Village School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,429.00 (+2.29%) Homeowner's exemption | $51,210 (+22.63%) Land $12,390 Building $38,820 | $146,300 (+22.63%) Land $35,400 Building $110,900 |
| 2024 | $1,397.00 (+2.57%) Homeowner's exemption | $41,760 (-) Land $9,660 Building $32,100 | |
| 2023 | $1,362.00 (-3.75%) Homeowner's exemption | $41,760 (-) Land $9,660 Building $32,100 | $119,300 (-) Land $27,600 Building $91,700 |
| 2022 | $1,415.00 Homeowner's exemption | $41,760 Land $9,660 Building $32,100 | $119,300 Land $27,600 Building $91,700 |
Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 95% of the US · lower than 78% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| Uniti Group Fixed Wireless | 100 / 10 |
| Skymesh Fixed Wireless | 50 / 10 |
| New Knoxville Telephone Company/GoldStar Communications Fixed Wireless | 50 / 5 |
May also be available: Cincinnati Bell, Spectrum.
Based on FCC filings for 12 locations within half a mile of this property.
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