9540 W Covington Gettysburg Rd, Covington, OH 45318 Property Records

Miami County property record for 9540 W Covington Gettysburg Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,320 sqft · built 1920
Lot Size	10.4 acres (455,943 sqft)
Owner	Trust Name on File
Last Sale	$370,000 (Oct 1999)
Tax Bill	$5,807 (2025)
Deeds & Mortgages	Aug 2021 Line of Credit Apr 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H17-004400`

Property Details

APN / Parcel Number

Primary APN	`H17-004400`
Alternative APNs	`090436.0-01-009-00` `H17NB041 02700`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,320 sqft Living Area
1st Floor Area	2,320 sqft
Upper Floors Area	1,160 sqft
Basement Area	1,160 sqft
Unfinished Basement	1,160 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	455,943 sqft (10.4 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	400 sqft
Deck Area	400 sqft
Patio Area	400 sqft
Shed	1 Shed
Shed Area	425 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	9540 W COVINGTON GETTYSBURG RD
City	COVINGTON
State	OH
Zip	45318-8700
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-9-36 NE COR NW
Legal Range	04
Legal Township	09
Legal Section	36
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	3
Census Block	3005
Census Tract	320100

Owner

9540 W Covington Gettysburg Rd is owner-occupied and held in a trust since July 2015.

Source: Miami County records, as of July 28, 2026

Owner of Record	Trust Name on File
Mailing Address	9540 W COVINGTON GETTYSBURG RD, COVINGTON, OH 45318-8700
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 9, 2021	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Apr 4, 2020	Deed of Trust, Mortgage · Line of Credit COVINGTON S&L ASSN
Feb 12, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 1999 · Amount on File
Deed Sale	Oct 19, 1999 · Amount on File
Prior Sale	Jan 1, 1990
Last Transfer Date	Jul 1, 2015
Transfer Doc	0000010503
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	9540 W COVINGTON GETTYSBURG RD, COVINGTON, OH 45318-8700
Transaction Type	Mortgage
Record Updated	Aug 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9540 W COVINGTON, COVINGTON, OH 45318

Mortgage

Document Number	0000013792
Date	Aug 9, 2021
Instrument	2021OR-13792

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	TROY, OH 45373

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	97 Months
Due	Sep 29, 2029

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	9540 W COVINGTON GETTYSBURG RD, COVINGTON, OH 45318-8700
Document Number	0000004914
Instrument Date	Apr 4, 2020
Transaction Type	Mortgage
Record Updated	Jul 7, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	9534 W COVINGTON GETTYSBURG RD COVINGTON OH 453188700, COVINGTON, OH 45318-8700

Mortgage

Document Number	0000004914
Date	Apr 20, 2020
Instrument	4914

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	117 N HIGH ST, COVINGTON, OH 45318-1307

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Apr 19, 2035

Interest

Rate Type	Adjustable Rate

February 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Feb 12, 2020
Property Address	9540 W COVINGTON GETTYSBURG RD, COVINGTON, OH 45318-8700
Document Number	0000001989
Instrument Date	Feb 12, 2020
Instrument	1989
Transaction Type	Transfer
Record Updated	Mar 4, 2020
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9540 W COVINGTON GETTYSBURG RD COVINGTON OH 453188700, COVINGTON, OH 45318-8700

Tax Assessment & Valuation

The 2025 property tax bill for 9540 W Covington Gettysburg Rd was $5,807 with a homeowner's exemption, up 10.6% from the year before.

Source: Miami County assessment roll, as of March 6, 2026

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	$5,807.00 (+10.61%) Homeowner's exemption	$205,590 (+32.39%) Land $24,040 Building $181,550	$656,600 Land $137,900 Building $518,700
2024	$5,250.00 (+7.76%) Homeowner's exemption	$155,290 (+5%) Land $13,640 Building $141,650
2023	$4,872.00 (-3.75%) Homeowner's exemption	$147,900 (-) Land $13,640 Building $134,260	$543,200 (+4.04%) Land $138,500 Building $404,700
2022	$5,062.00 Homeowner's exemption	$147,900 Land $13,640 Building $134,260	$522,100 Land $138,500 Building $383,600

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

FEMA maps place 9540 W Covington Gettysburg Rd in Zone X, an area of minimal flood risk.

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	4 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

Wildfire risk around 9540 W Covington Gettysburg Rd is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Windstream Fixed Wireless · DSL in parts of the area	100 / 10
Skymesh Fixed Wireless	50 / 10

May also be available: AT&T.

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