303 N Main St, Covington, OH 45318 Property Records

Miami County property record for 303 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,924 sqft · built 1920
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$63,720 (Aug 2011)
Tax Bill	$1,591 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jun 2020 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-006070`

Property Details

APN / Parcel Number

Primary APN	`H19-006070`
Alternative APNs	`080530.1-02-010-00` `H19NH033 01000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,924 sqft Living Area
1st Floor Area	2,344 sqft
Upper Floors Area	752 sqft
Basement Area	210 sqft
Unfinished Basement	210 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	7,405 sqft (0.17 acres)
Lot Dimensions	132 ft deep x 56 ft wide
Porch	Slab
Porch Area	422 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	303 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 484 55 1/2 S PT
Legal Subdivision	COVINGTON VILLAGE
Legal Lot Number	484
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1010
Census Tract	325000

Owner

303 N Main St is owned and occupied by two individuals who bought it in August 2011.

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

Owner of Record	2 Individual Names on File
Mailing Address	303 N MAIN ST, COVINGTON, OH 45318-1429
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Deed of Trust, Mortgage · Line of Credit WRIGHT-PATT CREDIT UNION INC
Jun 17, 2020	Deed of Trust, Mortgage · Line of Credit COVINGTON S&L ASSN
May 1, 2017	Deed of Trust, Mortgage · Conventional Mortgage COVINGTON S&L ASSN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 8, 2011 · Amount on File
Deed Sale	Aug 8, 2011 · Amount on File
Prior Sale	Jan 1, 1990
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	303 N MAIN ST, COVINGTON, OH 45318-1429
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	303 N MAIN ST, COVINGTON, OH 45318-1429

Mortgage

Document Number	0000012667
Date	Oct 31, 2025
Instrument	2025OR-12667

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	3560 PENTAGON BLVD, BEAVERCREEK, OH 45431

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	301 Months
Due	Nov 25, 2050

Interest

Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	303 N MAIN ST, COVINGTON, OH 45318-1429
Document Number	0000008870
Instrument Date	Jun 17, 2020
Transaction Type	Mortgage
Record Updated	Aug 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	303 N MAIN ST COVINGTON OH 453181429, COVINGTON, OH 45318-1429

Mortgage

Document Number	0000008870
Date	Jul 2, 2020
Instrument	8870

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	COVINGTON, OH 45318

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2030

Interest

Rate Type	Adjustable Rate

May 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	303 N MAIN ST, COVINGTON, OH 45318-1429
Document Number	0000005427
Instrument Date	May 1, 2017
Transaction Type	Mortgage
Record Updated	Aug 23, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	303 N MAIN ST COVINGTON OH 453181429, COVINGTON, OH 45318-1429

Mortgage

Document Number	0000005427
Date	May 8, 2017
Instrument	5427

Lender

Name	COVINGTON S&L ASSN
Type	Federal Savings Bank
Address	COVINGTON, OH 45318

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 7, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 303 N Main St was $1,591 with a homeowner's exemption, up 16.9% from the year before.

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	$1,591.00 (+16.9%) Homeowner's exemption	$52,640 (+45.01%) Land $9,870 Building $42,770	$150,400 Land $28,200 Building $122,200
2024	$1,361.00 (+3.81%) Homeowner's exemption	$36,300 (-) Land $10,710 Building $25,590
2023	$1,311.00 (-3.39%) Homeowner's exemption	$36,300 (-) Land $10,710 Building $25,590	$103,700 (-) Land $30,600 Building $73,100
2022	$1,357.00 Homeowner's exemption	$36,300 Land $10,710 Building $25,590	$103,700 Land $30,600 Building $73,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 303 N Main St in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 303 N Main St is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 85% 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 205 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	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Main St

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