405 N Main St, Covington, OH 45318 Property Records

Miami County property record for 405 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,023 sqft · built 1920
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$80,500 (Sep 2005)
Tax Bill	$1,378 (2025)
Deeds & Mortgages	Feb 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-006010`

Property Details

APN / Parcel Number

Primary APN	`H19-006010`
Alternative APNs	`080530.1-02-016-00` `H19NH033 01600`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,023 sqft Living Area
1st Floor Area	1,542 sqft
Upper Floors Area	252 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	132 ft deep x 52 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	276 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	405 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 479 51 1/2
Legal Lot Number	479
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1011
Census Tract	325000

Owner

405 N Main St is owned and occupied by two individuals who acquired it in February 2019.

Source: Miami County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 N MAIN ST, COVINGTON, OH 45318-1431
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 28, 2005 · Amount on File
Deed Sale	Sep 28, 2005 · Amount on File
Prior Sale	Jun 7, 2001 · Amount on File
Last Transfer Date	Feb 1, 2019
Transfer Doc	0000001381
Record Updated	Oct 29, 2026

February 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Feb 6, 2019
Property Address	405 N MAIN ST, COVINGTON, OH 45318-1431
Document Number	0000001381
Instrument Date	Feb 1, 2019
Instrument	1381
Transaction Type	Transfer
Record Updated	Feb 21, 2019
Title Company	NATIONWIDE TITLE CLEARING INC

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	405 N MAIN ST COVINGTON OH 453181431, COVINGTON, OH 45318-1431

Mortgage

Document Number	1382
Date	Feb 6, 2019
Instrument	1382

Lender

Name	PRIMELENDING
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 405 N Main St was $1,378 with a homeowner's exemption, down 0.3% 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	$1,378.00 (-0.29%) Homeowner's exemption	$45,640 (+23.69%) Land $9,170 Building $36,470	$130,400 Land $26,200 Building $104,200
2024	$1,382.00 (+3.83%) Homeowner's exemption	$36,900 (-) Land $9,910 Building $26,990
2023	$1,331.00 (-3.41%) Homeowner's exemption	$36,900 (-) Land $9,910 Building $26,990	$105,400 (-) Land $28,300 Building $77,100
2022	$1,378.00 Homeowner's exemption	$36,900 Land $9,910 Building $26,990	$105,400 Land $28,300 Building $77,100

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 405 N Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 405 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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