401 N Main St, Covington, OH 45318 Property Records

Miami County property record for 401 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,424 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$180,000 (Jul 2024)
Tax Bill	$1,554 (2025)
Deeds & Mortgages	Jul 2023 Line of Credit Mar 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`H19-006020`

Property Details

APN / Parcel Number

Primary APN	`H19-006020`
Alternative APNs	`080530.1-02-015-00` `H19NH033 01500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,424 sqft Living Area
1st Floor Area	2,302 sqft
Upper Floors Area	273 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1985
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	132 ft deep x 52 ft wide

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	120 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	401 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 480 51 1/2
Legal Subdivision	SAID
Legal Lot Number	480
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1011
Census Tract	325000

Owner

401 N Main St is owned and occupied by two individuals who bought it in July 2024.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2023	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Mar 31, 2023	Intrafamily Transfer, Transfer
Dec 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Feb 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Apr 19, 2018	Deed, Transfer · Conventional Mortgage HUNTINGTON NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 8, 2024 · Amount on File
Deed Sale	Jul 8, 2024 · Amount on File
Prior Sale	Apr 19, 2018 · Amount on File
Deed Document Number	20246661
Prior Transfer Date	Mar 31, 2023
Prior Transfer Doc	0000003355
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Transaction Type	Mortgage
Record Updated	Aug 16, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N MAIN ST, COVINGTON, OH 45318-1431

Mortgage

Document Number	0000008242
Date	Jul 31, 2023
Instrument	2023OR-08242

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 18, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Mar 31, 2023
Property Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Document Number	0000003355
Instrument Date	Mar 27, 2023
Instrument	2023OR-03355
Transaction Type	Transfer
Record Updated	Apr 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N MAIN ST, COVINGTON, OH 45318-1431

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Transaction Type	Mortgage
Record Updated	Jan 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000022598
Date	Dec 30, 2021
Instrument	2021OR-22598

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43219

Agreement

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

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AGILITY CLOSING & TITLE SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000002782
Date	Feb 28, 2020
Instrument	2020OR-02782

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2050

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 19, 2018
Property Address	401 N MAIN ST, COVINGTON, OH 45318-1431
Document Number	0000004690
Instrument Date	Apr 13, 2018
Instrument	2018OR-04690
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$180.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 N MAIN ST, COVINGTON, OH 45318-1431

Mortgage

Document Number	0000004691
Date	Apr 19, 2018
Instrument	2018OR-04691

Lender

Name	HUNTINGTON NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 401 N Main St was $1,554 with a homeowner's exemption, up 8.7% 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	$1,554.00 (+8.75%) Homeowner's exemption	$51,450 (+34.83%) Land $9,170 Building $42,280	$147,000 Land $26,200 Building $120,800
2024	$1,429.00 (+3.85%) Homeowner's exemption	$38,160 (-) Land $9,910 Building $28,250
2023	$1,376.00 (-3.44%) Homeowner's exemption	$38,160 (-) Land $9,910 Building $28,250	$109,000 (-) Land $28,300 Building $80,700
2022	$1,425.00 Homeowner's exemption	$38,160 Land $9,910 Building $28,250	$109,000 Land $28,300 Building $80,700

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 401 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 401 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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