2 N Main St, Covington, OH 45318 Property Records

Miami County property record for 2 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,368 sqft · built 1920
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individuals on Record
Last Sale	$256,250 (Apr 2026)
Tax Bill	$2,216 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2021 Transfer
Flood Zone	Zone X (minimal risk)
APN	`H19-000270`

Property Details

APN / Parcel Number

Primary APN	`H19-000270`
Alternative APNs	`080530.1-07-015-00` `H19NH006 01400`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,368 sqft Living Area
1st Floor Area	2,752 sqft
Upper Floors Area	992 sqft
Basement Area	1,552 sqft
Unfinished Basement	992 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,534 sqft (0.15 acres)
Lot Dimensions	132 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	560 sqft
Patio Area	465 sqft
Canopy	465 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	2 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 19 50 S 1/2
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	19
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2019
Census Tract	325000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individuals on Record
Mailing Address	2 N MAIN ST, COVINGTON, OH 45318-1316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2026	Deed, Transfer · FHA Mortgage DAS ACQUISITION CO LLC
Dec 22, 2021	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 13, 2026 · Amount on Record
Deed Sale	Apr 13, 2026 · Amount on Record
Prior Sale	May 15, 2025 · Amount on Record
Deed Document Number	20264311
Prior Transfer Date	Dec 21, 2021
Prior Transfer Doc	0000022138
Record Updated	Jun 8, 2026

April 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 13, 2026
Property Address	2 N MAIN ST, COVINGTON, OH 45318-1316
Document Number	0000004311
Instrument Date	Apr 8, 2026
Instrument	20264311
Transaction Type	Transfer
Record Updated	Apr 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,762.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	2 N MAIN ST, COVINGTON, OH 45318-1316
Investor	Possibly a Property Investor

Mortgage

Document Number	0000004312,
Date	Apr 13, 2026
Instrument	20264312

Lender

Name	DAS ACQUISITION CO LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	5.98%
Max Rate	-1%

December 2021: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	MIAMI OH
Recording Date	Dec 22, 2021
Property Address	2 N MAIN ST, COVINGTON, OH 45318-1316
Document Number	0000022138
Map Reference	VOL 9 PG 104
Instrument Date	Dec 21, 2021
Instrument	2021OR-22138
Transaction Type	Transfer
Record Updated	Jan 19, 2022

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

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	$2,216.00 (+61.4%)	$66,360 (+85.1%) Land $8,820 Building $57,540	$189,600 (+85.16%) Land $25,200 Building $164,400
2024	$1,373.00 (+41.69%)	$35,850 (-) Land $9,560 Building $26,290
2023	$969.00 (-4.91%) Homeowner's exemption	$35,850 (-) Land $9,560 Building $26,290	$102,400 (-) Land $27,300 Building $75,100
2022	$1,019.00 Homeowner's exemption	$35,850 Land $9,560 Building $26,290	$102,400 Land $27,300 Building $75,100

Assessed value is set for property tax purposes, not a market price estimate; it is 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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