116 S Main St, Covington, OH 45318 Property Records

Miami County property record for 116 S Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,077 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$138,000 (Jan 2021)
Tax Bill	$1,418 (2025)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Jan 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-000190`

Property Details

APN / Parcel Number

Primary APN	`H19-000190`
Alternative APNs	`080530.4-07-017-00` `H19SH004 01700`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,077 sqft Living Area
1st Floor Area	732 sqft
2nd Floor Area	460 sqft
Upper Floors Area	345 sqft
Basement Area	765 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1991
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	132 ft deep x 59 ft wide
Garage Type	Detached
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Enclosed Porch
Porch Area	376 sqft
Deck Area	264 sqft
Patio Area	264 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19SH004 01700
Street Address	116 S MAIN ST
City	COVINGTON
State	OH
Zip	45318-1322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 14 59X132 S PT
Legal Subdivision	COVINGTON
Legal Lot Number	14
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2029
Census Tract	325000

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	116 S MAIN ST, COVINGTON, OH 45318-1322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 27, 2021	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Jan 30, 2019	Grant Deed, Transfer SERVICELINK
Dec 11, 2018	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 27, 2021 · Amount on Record
Deed Sale	Jan 27, 2021 · Amount on Record
Prior Sale	Jan 30, 2019 · Amount on Record
Deed Document Number	165
Record Updated	Jun 8, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 27, 2021
Property Address	116 S MAIN ST, COVINGTON, OH 45318-1322
Document Number	0000001418
Instrument Date	Jan 14, 2021
Instrument	2021OR-01418
Transaction Type	Transfer
Record Updated	Aug 25, 2022
Title Company	SERVICELINK

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	116 S MAIN ST, COVINGTON, OH 45318-1322

Mortgage

Document Number	0000001419
Date	Jan 27, 2021
Instrument	2021OR-01419

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

January 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 30, 2019
Property Address	116 S MAIN ST, COVINGTON, OH 45318-1322
Document Number	0000001084
Instrument Date	Jan 25, 2019
Instrument	1084
Transaction Type	Transfer
Record Updated	Feb 12, 2019
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$64.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 S MAIN ST COVINGTON OH 453181322, COVINGTON, OH 45318-1322

December 2018: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 11, 2018
Property Address	116 S MAIN ST, COVINGTON, OH 45318-1322
Document Number	0000015248
Instrument Date	Nov 16, 2018
Instrument	15248
Transaction Type	Foreclosure
Record Updated	Dec 31, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$40.00
Amount Accuracy	Confirmed
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5001 KINGSLEY DR CINCINNATI OH 452271114, CINCINNATI, OH 45227-1114

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
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	$1,418.00 (+46.79%) Homeowner's exemption	$43,470 (+68.49%) Land $8,330 Building $35,140	$124,200 (+68.52%) Land $23,800 Building $100,400
2024	$966.00 (+3.87%) Homeowner's exemption	$25,800 (-) Land $9,000 Building $16,800
2023	$930.00 (-3.43%) Homeowner's exemption	$25,800 (-) Land $9,000 Building $16,800	$73,700 (-) Land $25,700 Building $48,000
2022	$963.00 Homeowner's exemption	$25,800 Land $9,000 Building $16,800	$73,700 Land $25,700 Building $48,000

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	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2017 · other causes

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 94% of the US · lower than 74% 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 532 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 · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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