414 N Main St, Covington, OH 45318 Property Records

Miami County property record for 414 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,005 sqft · built 1920
Lot Size	0.25 acres (10,890 sqft)
Owner	Individual Name on File
Last Sale	$40,000 (Jul 2025)
Tax Bill	$1,387 (2025)
Deeds & Mortgages	Jul 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-003830`

Property Details

APN / Parcel Number

Primary APN	`H19-003830`
Alternative APNs	`080530.1-03-006-00` `H19NH038 00600`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,005 sqft Living Area
1st Floor Area	1,384 sqft
Upper Floors Area	313 sqft
Basement Area	300 sqft
Unfinished Basement	300 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 83 ft wide
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	272 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	414 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 262 82
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	262
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1018
Census Tract	325000

Owner

414 N Main St is owned and occupied by an individual who bought it in July 2025.

Source: Miami County records, as of August 19, 2026

Owner of Record	Individual Name on File
Mailing Address	414 N MAIN ST, COVINGTON, OH 45318-1432
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	Name on Deed
Last Sale	Jul 1, 2025 · Amount on File
Deed Sale	Jul 1, 2025 · Amount on File
Prior Sale	May 1, 1987
Deed Document Number	20257184
Record Updated	Oct 29, 2026

July 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 1, 2025
Property Address	414 N MAIN ST, COVINGTON, OH 45318-1432
Document Number	0000007184
Instrument Date	Jun 26, 2025
Instrument	2025OR-07184
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	414 N MAIN ST, COVINGTON, OH 45318-1432

Mortgage

Document Number	0000007185
Date	Jul 1, 2025
Instrument	2025OR-07185

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 414 N Main St was $1,387, up 4% 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	$1,387.00 (+3.97%)	$44,800 (+28.62%) Land $12,600 Building $32,200	$128,000 Land $36,000 Building $92,000
2024	$1,334.00 (+3.81%)	$34,830 (-) Land $13,650 Building $21,180
2023	$1,285.00 (-3.46%)	$34,830 (-) Land $13,650 Building $21,180	$99,500 (-) Land $39,000 Building $60,500
2022	$1,331.00	$34,830 Land $13,650 Building $21,180	$99,500 Land $39,000 Building $60,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 414 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 414 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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