125 S Main St, Covington, OH 45318 Property Records

Miami County property record for 125 S Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,607 sqft · built 1948
Lot Size	0.33 acres (14,375 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (May 2023)
Tax Bill	$1,726 (2025)
Deeds & Mortgages	May 2023 Sale & Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-003700`

Property Details

APN / Parcel Number

Primary APN	`H19-003700`
Alternative APNs	`080530.4-05-004-00` `H19SH004 02500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,607 sqft Living Area
1st Floor Area	2,592 sqft
Attic	Attic
Attic Area	311 sqft
Basement Area	816 sqft
Finished Basement	3 sqft
Unfinished Basement	813 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	14,375 sqft (0.33 acres)
Lot Dimensions	78 ft deep x 184 ft wide
Porch	Slab
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	125 S MAIN ST
City	COVINGTON
State	OH
Zip	45318-1321
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 251 89.55 E PT
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	251
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2018
Census Tract	325000

Owner

Source: Miami County records, as of July 28, 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
Mailing Address	125 S MAIN ST, COVINGTON, OH 45318-1321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2023	Warranty Deed, Transfer · VA Mortgage LOANDEPOT.COM LLC
Mar 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage GREENVILLE NATIONAL BANK
Jan 12, 2023	Affidavit of Death of Joint Tenant, Transfer
Jan 12, 2023	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2023 · Amount on Record
Deed Sale	May 18, 2023 · Amount on Record
Prior Sale	Jan 12, 2023 · Amount on Record
Deed Document Number	20235246
Prior Transfer Date	Jan 11, 2023
Prior Transfer Doc	0000000441
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	May 18, 2023
Property Address	125 S MAIN ST, COVINGTON, OH 45318-1321
Document Number	0000005246
Instrument Date	May 15, 2023
Instrument	2023OR-05246
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Amount	Amount Recorded
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	125 S MAIN ST, COVINGTON, OH 45318-1321

Mortgage

Document Number	0000005247
Date	May 18, 2023
Instrument	2023OR-05247

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	125 S MAIN ST, COVINGTON, OH 45318-1321
Transaction Type	Mortgage
Record Updated	Mar 20, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8139 N STATE ROUTE 48, COVINGTON, OH 45318-9612

Mortgage

Document Number	0000002293
Date	Mar 6, 2023
Instrument	2023OR-02293

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	ARCANUM, OH 45304

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Feb 20, 2038

Interest

Rate Type	Adjustable Rate

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	Jan 12, 2023
Property Address	125 S MAIN ST, COVINGTON, OH 45318-1321
Document Number	0000000441
Instrument Date	Dec 27, 2022
Instrument	2023OR-00441
Transaction Type	Transfer
Record Updated	Jan 24, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7130 W PERRY RD, COVINGTON, OH 45318-9692

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jan 12, 2023
Property Address	125 S MAIN ST, COVINGTON, OH 45318-1321
Document Number	0000000442
Instrument Date	Dec 14, 2022
Instrument	2023OR-00442
Transaction Type	Transfer
Record Updated	Jan 24, 2023

Transaction

Amount	Amount Recorded
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	8139 N STATE ROUTE 48, COVINGTON, OH 45318-9612

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	$1,726.00 (-2.54%) Homeowner's exemption	$57,160 (+20.87%) Land $16,590 Building $40,570	$163,300 (+20.87%) Land $47,400 Building $115,900
2024	$1,771.00 (+28.15%) Homeowner's exemption	$47,290 (-) Land $17,990 Building $29,300
2023	$1,382.00 (-4.43%) Homeowner's exemption	$47,290 (-) Land $17,990 Building $29,300	$135,100 (-) Land $51,400 Building $83,700
2022	$1,446.00 Homeowner's exemption	$47,290 Land $17,990 Building $29,300	$135,100 Land $51,400 Building $83,700

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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