Miami County property record for 9645 W Klinger Rd, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,792 sqft · built 2017 |
| Lot Size | 5.1 acres (222,156 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4,595 (2025) |
| Deeds & Mortgages | Aug 2019 Mortgage Mar 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | H17-028670 |
| Primary APN | H17-028670 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,792 sqft Living Area |
| 1st Floor Area | 3,584 sqft |
| Basement Area | 1,792 sqft |
| Unfinished Basement | 1,792 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 222,156 sqft (5.1 acres) |
| Garage Area | 806 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 576 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 9645 W KLINGER RD |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-9641 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4-9-13 N CEN PT SW |
| Legal Range | 04 |
| Legal Township | 09 |
| Legal Section | 13 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1044 |
| Census Tract | 320100 |
9645 W Klinger Rd is owned and occupied by two individuals.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 9645 W KLINGER RD, COVINGTON, OH 45318-9641 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 1, 2019 | Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC |
| Mar 30, 2017 | Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE FED'L |
| Apr 3, 2017 | Trustee's Deed, Construction Loan · Construction Mortgage GREENVILLE FED'L |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 9645 W KLINGER RD, COVINGTON, OH 45318-9641 |
| Document Number | 0000009210 |
| Instrument Date | Aug 1, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 29, 2019 |
| Title Company | FIRST TITLE BOX |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9645 W KLINGER RD COVINGTON OH 453189641, COVINGTON, OH 45318-9641 |
| Document Number | 0000009210 |
|---|---|
| Date | Aug 14, 2019 |
| Instrument | 9210 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Funding / Finance Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 13, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 9645 W KLINGER RD, COVINGTON, OH 45318-9641 |
| Document Number | 0000003935 |
| Instrument Date | Mar 30, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 9645 W KLINGER RD COVINGTON OH 45318, COVINGTON, OH 45318 |
| Document Number | 0000003935 |
|---|---|
| Date | Apr 3, 2017 |
| Instrument | 3935 |
| Name | GREENVILLE FED'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, OH 45331 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 2, 2032 |
| Document Type | Trustee's Deed |
|---|---|
| Jurisdiction | MIAMI OH |
| Recording Date | Apr 3, 2017 |
| Property Address | 9645 W KLINGER RD, COVINGTON, OH 45318-9641 |
| Instrument Date | Mar 30, 2017 |
| Instrument | 3934 |
| Transaction Type | Construction Loan |
| Record Updated | Nov 30, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 507 N PIKE ST ANNA OH 453029580, ANNA, OH 45302-9580 |
| Document Number | 0000003934 |
|---|---|
| Date | Apr 3, 2017 |
| Instrument | 3934 |
| Name | GREENVILLE FED'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, OH 45331 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Apr 2, 2047 |
The 2025 property tax bill for 9645 W Klinger Rd was $4,595 with a homeowner's exemption, up 5.7% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Unified School District | Covington Exempted Village School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,595.00 (+5.73%) Homeowner's exemption | $164,720 (+26.81%) Land $28,320 Building $136,400 | $470,600 Land $80,900 Building $389,700 |
| 2024 | $4,346.00 (+2.6%) Homeowner's exemption | $129,890 (-) Land $26,880 Building $103,010 | |
| 2023 | $4,236.00 (-3.77%) Homeowner's exemption | $129,890 (-) Land $26,880 Building $103,010 | $371,100 (-) Land $76,800 Building $294,300 |
| 2022 | $4,402.00 Homeowner's exemption | $129,890 Land $26,880 Building $103,010 | $371,100 Land $76,800 Building $294,300 |
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.
FEMA maps place 9645 W Klinger 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 | 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 risk around 9645 W Klinger 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 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 21 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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