27 N Main St, Covington, OH 45318 Property Records

Miami County property record for 27 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 875 sqft · built 1920
Lot Size	0.06 acres (2,614 sqft)
Owner	2 Individual Names on Record
Last Sale	$37,500 (Oct 2017)
Tax Bill	$667 (2025)
Deeds & Mortgages	Oct 2021 Transfer Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-000060`

Property Details

APN / Parcel Number

Primary APN	`H19-000060`
Alternative APNs	`080530.1-07-022-00` `H19NH007 00800`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	875 sqft Living Area
1st Floor Area	1,750 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	No Foundation
Lot Area	2,614 sqft (0.06 acres)
Lot Dimensions	66 ft deep x 41 ft wide

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	27 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 4 41.25 E END N1/2
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	27 N MAIN ST, COVINGTON, OH 45318-1315
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2021	Intrafamily Transfer, Transfer
Oct 13, 2017	Warranty Deed, Transfer · Conventional Mortgage COVINGTON S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 13, 2017 · Amount on Record
Deed Sale	Oct 13, 2017 · Amount on Record
Prior Sale	Jan 1, 1990
Deed Document Number	2017OR-12484
Last Transfer Date	Oct 15, 2021
Transfer Doc	0000018449
Record Updated	Sep 20, 2026

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Oct 22, 2021
Property Address	27 N MAIN ST, COVINGTON, OH 45318-1315
Document Number	0000018449
Instrument Date	Oct 15, 2021
Instrument	2021OR-18449
Transaction Type	Transfer
Record Updated	Dec 10, 2021

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
Relationship	Right of Survivorship
Address	27 N MAIN ST, COVINGTON, OH 45318-1315

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 13, 2017
Property Address	27 N MAIN ST, COVINGTON, OH 45318-1315
Document Number	0000012484
Instrument Date	Oct 2, 2017
Instrument	12484
Transaction Type	Transfer
Record Updated	Dec 6, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$75.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9244 W US ROUTE 36 COVINGTON OH 453188915, COVINGTON, OH 45318-8915

Mortgage

Document Number	12485
Date	Oct 13, 2017
Instrument	12485

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	117 N HIGH ST, COVINGTON, OH 45318-1307

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 12, 2037

Interest

Rate Type	Adjustable Rate

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	$667.00 (+15%)	$21,560 (+42.22%) Land $5,110 Building $16,450	$61,600 (+42.26%) Land $14,600 Building $47,000
2024	$580.00 (+3.76%)	$15,160 (-) Land $5,500 Building $9,660
2023	$559.00 (-3.45%)	$15,160 (-) Land $5,500 Building $9,660	$43,300 (-) Land $15,700 Building $27,600
2022	$579.00	$15,160 Land $5,500 Building $9,660	$43,300 Land $15,700 Building $27,600

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

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