124 N Main St, Covington, OH 45318 Property Records

Miami County property record for 124 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,230 sqft · built 1920
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$112,500 (Mar 2026)
Tax Bill	$1,097 (2025)
Deeds & Mortgages	Mar 2026 Sale & Mortgage Apr 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-000370`

Property Details

APN / Parcel Number

Primary APN	`H19-000370`
Alternative APNs	`080530.1-05-010-00` `H19NH034 00400`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,230 sqft Living Area
1st Floor Area	1,808 sqft
Attic	Attic
Attic Area	326 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	5,227 sqft (0.12 acres)
Lot Dimensions	132 ft deep x 41 ft wide
Porch	Slab
Porch Area	96 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	124 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 24 41.25 N PT
Legal Subdivision	VILLAGE/COVINGTON
Legal Lot Number	24
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2014
Census Tract	325000

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	124 N MAIN ST, COVINGTON, OH 45318-1318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 24, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
Apr 20, 2022	Warranty Deed, Transfer · Conventional Mortgage UNION SAVINGS BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 24, 2026 · Amount on Record
Deed Sale	Mar 24, 2026 · Amount on Record
Prior Sale	Apr 7, 2005 · Amount on Record
Deed Document Number	20263376
Prior Transfer Date	Apr 8, 2016
Prior Transfer Doc	0000006662
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 24, 2026
Property Address	124 N MAIN ST, COVINGTON, OH 45318-1318
Document Number	0000003376
Instrument Date	Mar 20, 2026
Instrument	2026OR-03376
Transaction Type	Transfer
Record Updated	Apr 2, 2026
Title Company	HOME SERVICES TITLE LLC

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
Address	124 N MAIN ST, COVINGTON, OH 45318-1318

Mortgage

Document Number	0000003377
Date	Mar 24, 2026
Instrument	2026OR-03377

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 20, 2022
Property Address	124 N MAIN ST, COVINGTON, OH 45318-1318
Document Number	0000006281
Instrument Date	Apr 15, 2022
Instrument	2022OR-06281
Transaction Type	Transfer
Record Updated	May 20, 2022
Title Company	STERLING LAND TITLE AGENCY INC, STERLING LAND TITLE AGCY INC

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	124 N MAIN ST, COVINGTON, OH 45318-1318

Mortgage

Document Number	0000006282
Date	Apr 20, 2022
Instrument	2022OR-06282

Lender

Name	UNION SAVINGS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

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	$1,097.00 (+1.39%) Homeowner's exemption	$34,450 (+25.23%) Land $7,250 Building $27,200	$98,400 (+25.19%) Land $20,700 Building $77,700
2024	$1,082.00 (+9.07%) Homeowner's exemption	$27,510 (-) Land $7,840 Building $19,670
2023	$992.00 (-5.61%)	$27,510 (-) Land $7,840 Building $19,670	$78,600 (-) Land $22,400 Building $56,200
2022	$1,051.00	$27,510 Land $7,840 Building $19,670	$78,600 Land $22,400 Building $56,200

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 99.1% of the US · lower than 96% 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

Nearby Properties on N Main St

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