Miami County property record for 406 Valor Dr, Covington, OH 45318 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1988 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $10,000 (Dec 1987) |
| Tax Bill | $1,643 (2025) |
| Deeds & Mortgages | Feb 2023 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | H19-011467 |
| Primary APN | H19-011467 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| 1st Floor Area | 3,248 sqft |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | No Foundation |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Dimensions | 121 ft deep x 101 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 36 sqft |
| Deck Area | 240 sqft |
| Patio Area | 240 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Connected |
| Street Address | 406 VALOR DR |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-1747 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | IL-1191 64.13' |
| Legal Lot Number | 1191 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWBERRY |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 325000 |
Source: Miami County records · APN H19-011467
Assessment roll updated March 6, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 406 VALOR DR, COVINGTON, OH 45318-1747 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 01, 1987 · Amount on Record |
| Deed Sale | Dec 01, 1987 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 406 VALOR DR, COVINGTON, OH 45318-1747 |
| Transaction Type | Mortgage |
| Record Updated | Feb 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000001263 |
|---|---|
| Date | Feb 06, 2023 |
| Instrument | 2023OR-01263 |
| Name | PARK NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | NEWARK, OH 43058 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Feb 16, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newberry Township |
| Municipality | Covington Village |
| Unified School District | Covington Exempted Village School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,643.00 (-26.49%) Homeowner's exemption | $75,920 (+27.21%) Land $13,510 Building $62,410 | $216,900 (+27.21%) Land $38,600 Building $178,300 |
| 2024 | $2,235.00 (+3.81%) Homeowner's exemption | $59,680 (-) Land $14,600 Building $45,080 | |
| 2023 | $2,153.00 (-3.41%) Homeowner's exemption | $59,680 (-) Land $14,600 Building $45,080 | $170,500 (-) Land $41,700 Building $128,800 |
| 2022 | $2,229.00 Homeowner's exemption | $59,680 Land $14,600 Building $45,080 | $170,500 Land $41,700 Building $128,800 |
Source: FEMA National Flood Hazard Layer, Miami County (39109C), updated March 10, 2023 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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