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231 N Main St, Covington, OH 45318 Property Records

Miami County property record for 231 N Main St, Covington, OH 45318

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 978 sqft · built 1920
Lot Size0.16 acres (6,970 sqft)
Owner2 Individual Names on Record
Last Sale$80,000 (Sep 2021)
Tax Bill$1,277 (2025)
Deeds & MortgagesSep 2021 Sale & Line of Credit
Flood ZoneZone X (minimal risk)
APNH19-003910

Property Details

APN / Parcel Number

Primary APNH19-003910
Alternative APNs
  • 080530.1-01-015-00
  • H19NH037 00900

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms5 Rooms
Stories1 Story
Building Area978 sqft Living Area
1st Floor Area1,526 sqft
Upper Floors Area358 sqft
AtticAttic
Attic Area215 sqft
Basement Area224 sqft
Unfinished Basement224 sqft
Family RoomFamily Room

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleConventional
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Lot Area6,970 sqft (0.16 acres)
Lot Dimensions104 ft deep x 66 ft wide
Garage TypeDetached
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area272 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas
SewerConnected

Location & Zoning

Street Address231 N MAIN ST
CityCOVINGTON
StateOH
Zip45318-1427
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionIN LOT 273 66
Legal SubdivisionVILLAGE OF COVINGTON
Legal Lot Number273
JurisdictionMIAMI OH
Township / Civil DivisionNEWBERRY
Census Block Group1
Census Block1020
Census Tract325000

Owner

Source: Miami County records, as of August 4, 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 Record2 Individual Names on Record
Mailing Address231 N MAIN ST, COVINGTON, OH 45318-1427
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleSep 2, 2021 · Amount on Record
Deed SaleSep 2, 2021 · Amount on Record
Prior SaleSep 2, 2021 · Amount on Record
Deed Document Number20212021OR-15445
Prior Transfer DateMar 14, 2018
Prior Transfer Doc0000003815
Record UpdatedOct 29, 2026

September 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionMIAMI OH
Recording DateSep 2, 2021
Property Address231 N MAIN ST, COVINGTON, OH 45318-1427
Document Number0000015445
Map ReferenceMB 1 PG 228
Instrument DateAug 27, 2021
Instrument2021OR-15445
Transaction TypeTransfer
Record UpdatedSep 22, 2021

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRight of Survivorship
Address231 N MAIN ST, COVINGTON, OH 45318-1427

Mortgage

Document Number0000015446
DateSep 2, 2021
Instrument2021OR-15446
Lender
NameTHE COVINGTON SLA
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term360 Months
DueSep 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateOhio
CountyMiami County
County SubdivisionNewberry Township
MunicipalityCovington Village
Unified School DistrictCovington Exempted Village School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,277.00 (+13.41%) Homeowner's exemption$42,290 (+40.64%) Land $9,840 Building $32,450$120,800 (+40.63%) Land $28,100 Building $92,700
2024$1,126.00 (+3.87%) Homeowner's exemption$30,070 (-) Land $10,640 Building $19,430
2023$1,084.00 (-3.47%) Homeowner's exemption$30,070 (-) Land $10,640 Building $19,430$85,900 (-) Land $30,400 Building $55,500
2022$1,123.00 Homeowner's exemption$30,070 Land $10,640 Building $19,430$85,900 Land $30,400 Building $55,500

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemCOVINGTON VILLAGE PWS
serves 2,718 people · EPA ID OH5500112
Water SourceGroundwater
Last State InspectionAug 2024
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting2
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 205 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Windstream
Fiber · DSL in parts of the area		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Watch TV
Fixed Wireless		400 / 40

Cell Coverage

5G and 4G LTE (outdoors only)

Nearby Properties on N Main St

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