362 N Main St, Covington, OH 45318 Property Records

Miami County property record for 362 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,398 sqft · built 1920
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$89,750 (Nov 2018)
Tax Bill	$1,565 (2025)
Deeds & Mortgages	Apr 2021 Transfer Nov 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`H19-003860`

Property Details

APN / Parcel Number

Primary APN	`H19-003860`
Alternative APNs	`080530.1-04-002-00` `H19NH037 00500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,398 sqft Living Area
1st Floor Area	1,982 sqft
Upper Floors Area	400 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,276 sqft (0.19 acres)
Lot Dimensions	132 ft deep x 66 ft wide
Garage Area	806 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	559 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	362 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 265 66
Legal Lot Number	265
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1019
Census Tract	325000

Owner

362 N Main St is owned and occupied by an individual who acquired it in April 2021.

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

Owner of Record	Individual Name on File
Mailing Address	362 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

Date	Document
Apr 22, 2021	Intrafamily Transfer, Transfer
Nov 8, 2018	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS
Sep 26, 2018	Affidavit of Death, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 8, 2018 · Amount on File
Deed Sale	Nov 8, 2018 · Amount on File
Prior Sale	Aug 1, 1983
Deed Document Number	20182018OR-13776
Last Transfer Date	Apr 19, 2021
Transfer Doc	0000006940
Record Updated	Oct 29, 2026

April 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Apr 22, 2021
Property Address	362 N MAIN ST, COVINGTON, OH 45318-1430
Document Number	0000006940
Instrument Date	Apr 19, 2021
Instrument	2021OR-06940
Transaction Type	Transfer
Record Updated	Jul 23, 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
Address	362 N MAIN ST, COVINGTON, OH 45318-1430

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 8, 2018
Property Address	362 N MAIN ST, COVINGTON, OH 45318-1430
Document Number	0000013776
Instrument Date	Nov 5, 2018
Instrument	13776
Transaction Type	Transfer
Record Updated	Nov 27, 2018
Title Company	WAVE TITLE AGENCY INC, WAVE TITLE AGCY INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$179.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	362 N MAIN ST COVINGTON OH 453181430, COVINGTON, OH 45318-1430

Mortgage

Document Number	13777
Date	Nov 8, 2018
Instrument	13777

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Nov 7, 2048

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	MIAMI OH
Recording Date	Sep 26, 2018
Property Address	362 N MAIN ST, COVINGTON, OH 45318-1430
Document Number	0000011834
Instrument Date	Sep 21, 2018
Instrument	11834
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	362 N MAIN ST COVINGTON OH 453181430, COVINGTON, OH 45318-1430

Tax Assessment & Valuation

The 2025 property tax bill for 362 N Main St was $1,565 with a homeowner's exemption, up 8.5% 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	$1,565.00 (+8.53%) Homeowner's exemption	$51,810 (+34.54%) Land $11,100 Building $40,710	$148,000 Land $31,700 Building $116,300
2024	$1,442.00 (+3.82%) Homeowner's exemption	$38,510 (-) Land $12,010 Building $26,500
2023	$1,389.00 (-3.41%) Homeowner's exemption	$38,510 (-) Land $12,010 Building $26,500	$110,000 (-) Land $34,300 Building $75,700
2022	$1,438.00 Homeowner's exemption	$38,510 Land $12,010 Building $26,500	$110,000 Land $34,300 Building $75,700

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

FEMA maps place 362 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 362 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