356 N Main St, Covington, OH 45318 Property Records

Miami County property record for 356 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,271 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on File
Last Sale	$38,600 (Sep 2003)
Tax Bill	$2,079 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-003870`

Property Details

APN / Parcel Number

Primary APN	`H19-003870`
Alternative APNs	`080530.1-04-003-00` `H19NH037 00600`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	2,271 sqft Living Area
1st Floor Area	2,574 sqft
Upper Floors Area	984 sqft
Basement Area	984 sqft
Unfinished Basement	984 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Porch	Slab
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	356 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 266 66
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	266
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1019
Census Tract	325000

Owner

356 N Main St is owned and occupied by two individuals who bought it in September 2003.

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

Owner of Record	2 Individual Names on File
Mailing Address	356 N MAIN ST, COVINGTON, OH 45318-1430
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 17, 2003 · Amount on File
Deed Sale	Sep 17, 2003 · Amount on File
Record Updated	Sep 20, 2026

March 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Mar 15, 2022
Property Address	356 N MAIN ST, COVINGTON, OH 45318-1430
Document Number	0000004167
Instrument Date	Mar 11, 2022
Instrument	2022OR-04167
Transaction Type	Transfer
Record Updated	Apr 14, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
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
Relationship	Right of Survivorship
Address	356 N MAIN ST, COVINGTON, OH 45318-1430

Mortgage

Document Number	0000004168
Date	Mar 15, 2022
Instrument	2022OR-04168

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 356 N Main St was $2,079 with a homeowner's exemption, up 15.4% 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	$2,079.00 (+15.37%) Homeowner's exemption	$68,850 (+43.05%) Land $11,100 Building $57,750	$196,700 Land $31,700 Building $165,000
2024	$1,802.00 (+3.8%) Homeowner's exemption	$48,130 (-) Land $12,010 Building $36,120
2023	$1,736.00 (-5.6%)	$48,130 (-) Land $12,010 Building $36,120	$137,500 (-) Land $34,300 Building $103,200
2022	$1,839.00	$48,130 Land $12,010 Building $36,120	$137,500 Land $34,300 Building $103,200

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

Flood

FEMA maps place 356 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

The area around 356 N Main St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures