313 N Main St, Covington, OH 45318 Property Records

Miami County property record for 313 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,223 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$129,900 (Nov 2020)
Tax Bill	$1,768 (2025)
Deeds & Mortgages	Nov 2020 Sale & Mortgage Aug 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`H19-006050`

Property Details

APN / Parcel Number

Primary APN	`H19-006050`
Alternative APNs	`080530.1-02-012-00` `H19NH033 01200`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,223 sqft Living Area
1st Floor Area	1,864 sqft
Upper Floors Area	291 sqft
Basement Area	200 sqft
Unfinished Basement	200 sqft
Family Room	Family Room

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2016
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	132 ft deep x 53 ft wide
Garage Type	Detached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	126 sqft
Patio Area	198 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	313 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1429
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 483 52 1/2
Legal Lot Number	483
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1010
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	313 N MAIN ST, COVINGTON, OH 45318-1429
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2020	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Aug 16, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 17, 2020 · Amount on Record
Deed Sale	Nov 17, 2020 · Amount on Record
Prior Sale	Aug 16, 2017 · Amount on Record
Deed Document Number	20202020OR-17234
Record Updated	Oct 29, 2026

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 17, 2020
Property Address	313 N MAIN ST, COVINGTON, OH 45318-1429
Document Number	0000017234
Instrument Date	Nov 6, 2020
Instrument	2020OR-17234
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	FIRST AMERICAN TITLE

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	313 N MAIN ST, COVINGTON, OH 45318-1429

Mortgage

Document Number	0000017235
Date	Nov 17, 2020
Instrument	2020OR-17235

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 16, 2017
Property Address	313 N MAIN ST, COVINGTON, OH 45318-1429
Document Number	0000010099
Instrument Date	Jul 6, 2017
Instrument	2017OR-10099
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount Recorded
Tax	$217.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

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	$1,768.00 (+3.15%) Homeowner's exemption	$58,560 (+27.92%) Land $9,350 Building $49,210	$167,300 (+27.91%) Land $26,700 Building $140,600
2024	$1,714.00 (+3.82%) Homeowner's exemption	$45,780 (-) Land $10,150 Building $35,630
2023	$1,651.00 (-3.45%) Homeowner's exemption	$45,780 (-) Land $10,150 Building $35,630	$130,800 (-) Land $29,000 Building $101,800
2022	$1,710.00 Homeowner's exemption	$45,780 Land $10,150 Building $35,630	$130,800 Land $29,000 Building $101,800

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
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

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

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