320 N Main St, Covington, OH 45318 Property Records

Miami County property record for 320 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,694 sqft · built 1956
Lot Size	0.189 acres (8,276 sqft)
Owner	Individual Name on Record
Last Sale	$129,000 (Apr 2020)
Tax Bill	$1,888 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-003880`

Property Details

APN / Parcel Number

Primary APN	`H19-003880`
Alternative APNs	`080530.1-04-006-00` `H19NH036 00900`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,694 sqft Living Area
1st Floor Area	1,694 sqft
Family Room	Family Room

Exterior

Year Built	Built 1956
Effective Year Built	Effective 2014
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,276 sqft (0.189 acres)
Lot Dimensions	102 ft deep x 83 ft wide
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	96 sqft
Deck Area	585 sqft
Patio Area	585 sqft
Shed	1 Shed
Shed Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19NH036 00900
Street Address	320 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 230 77.4X104.6 N & IL 270 9.05X66.8 SW COR
Legal Subdivision	COVINGTON
Legal Lot Number	230
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1019
Census Tract	325000

Owner

Source: Miami County records, as of March 5, 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	320 N MAIN ST, COVINGTON, OH 45318-1430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 2, 2020 · Amount on Record
Deed Sale	Apr 2, 2020 · Amount on Record
Prior Sale	Nov 29, 2011 · Amount on Record
Deed Document Number	545
Record Updated	Jun 8, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 2, 2020
Property Address	320 N MAIN ST, COVINGTON, OH 45318-1430
Document Number	0000004190
Instrument Date	Mar 23, 2020
Instrument	4190
Transaction Type	Transfer
Record Updated	Jun 30, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$258.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	320 N MAIN ST COVINGTON OH 453181430, COVINGTON, OH 45318-1430

Mortgage

Document Number	4191
Date	Apr 2, 2020
Instrument	4191

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2050

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$1,888.00 (+11.85%) Homeowner's exemption	$57,860 (+28.35%) Land $11,030 Building $46,830	$165,300 (+28.34%) Land $31,500 Building $133,800
2024	$1,688.00 (+3.81%) Homeowner's exemption	$45,080 (-) Land $11,970 Building $33,110
2023	$1,626.00 (-3.44%) Homeowner's exemption	$45,080 (-) Land $11,970 Building $33,110	$128,800 (-) Land $34,200 Building $94,600
2022	$1,684.00 Homeowner's exemption	$45,080 Land $11,970 Building $33,110	$128,800 Land $34,200 Building $94,600

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	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	Not 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 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 and 4G LTE (outdoors only)

Nearby Properties on N Main St

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