401 N Owens Dr, Covington, OH 45318 Property Records

Miami County property record for 401 N Owens Dr, Covington, OH 45318

Property Summary

Property Type	Triplex
Details	3 bd · 3 ba · 2,178 sqft · built 1971
Lot Size	0.227 acres (9,901 sqft)
Owner	Company Name on File
Last Sale	$432,800 (Aug 2019)
Tax Bill	$2,400 (2025)
Deeds & Mortgages	Aug 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H19-011430`

Property Details

APN / Parcel Number

Primary APN	`H19-011430`
Alternative APNs	`080529.1-02-019-00` `H19NH084 02300`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Units	3 Units
Stories	1 Story
Building Area	2,178 sqft Total Area
1st Floor Area	4,356 sqft

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Architectural Style	Conventional
Exterior Material	Brick
Foundation Type	Raised
Lot Area	9,901 sqft (0.227 acres)
Lot Dimensions	90 ft deep x 110 ft wide
Patio Area	400 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	401 N OWENS DR
City	COVINGTON
State	OH
Zip	45318-1756
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	IL 1162 90
Legal Subdivision	OWENS SUBDIVISION
Legal Lot Number	1162
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1003
Census Tract	325000

Owner

401 N Owens Dr, a triplex, is owned by a company that bought it in August 2019.

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

Owner of Record	Company Name on File
Mailing Address	401 N OWENS DR, COVINGTON, OH 45318-1756
Owner Type	Company
Vesting	Company

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	Name on Deed
Last Sale	Aug 13, 2019 · Amount on File
Deed Sale	Aug 13, 2019 · Amount on File
Prior Sale	Oct 24, 1990 · Amount on File
Deed Document Number	20192019OR-09097
Record Updated	Oct 29, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 13, 2019
Property Address	401 N OWENS DR, COVINGTON, OH 45318-1756
Document Number	0000009097
Map Reference	MB 10 PG 120
Instrument Date	Aug 8, 2019
Instrument	2019OR-09097
Transaction Type	Transfer
Record Updated	Aug 25, 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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6427 ROUTZONG RD, GREENVILLE, OH 45331-9620

Mortgage

Document Number	0000009098
Date	Aug 13, 2019
Instrument	2019OR-09098

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Aug 8, 2034

Tax Assessment & Valuation

The 2025 property tax bill for 401 N Owens Dr was $2,400, up 20.5% 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	$2,400.00 (+20.54%)	$77,490 (+49.08%) Land $12,390 Building $65,100	$221,400 Land $35,400 Building $186,000
2024	$1,991.00 (+3.81%)	$51,980 (-) Land $13,480 Building $38,500
2023	$1,918.00 (-3.42%)	$51,980 (-) Land $13,480 Building $38,500	$148,500 (-) Land $38,500 Building $110,000
2022	$1,986.00	$51,980 Land $13,480 Building $38,500	$148,500 Land $38,500 Building $110,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 401 N Owens Dr 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 Owens Dr 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 99.1% of the US · lower than 96% 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 202 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 · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on N Owens Dr

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