448 N Main St, Covington, OH 45318 Property Records

Miami County property record for 448 N Main St, Covington, OH 45318 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,281 sqft · built 1996
Lot Size	0.25 acres (10,890 sqft)
Owner	Owner Name on File
Tax Bill	$3,598 (2025)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-003790`

Property Details

APN / Parcel Number

Primary APN	`H19-003790`
Alternative APN	`080530.1-03-002-00`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,281 sqft Living Area
1st Floor Area	1,161 sqft
2nd Floor Area	1,120 sqft
Upper Floors Area	1,120 sqft
Basement Area	1,040 sqft
Family Room	Family Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
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	583 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	240 sqft
Deck Area	140 sqft
Patio Area	140 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	448 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 259 82 1/2
Legal Subdivision	VILLAGE/COVINGTON
Legal Lot Number	259 82
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1018
Census Tract	325000

Owner

Source: Miami County records · APN H19-003790

Assessment roll updated January 1, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Owner Name on File
Mailing Address	448 N MAIN ST, COVINGTON, OH 45318-1432
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Prior Sale	Mar 25, 2003
Last Transfer Date	Nov 18, 2008
Transfer Doc	0000495440
Record Updated	Jun 08, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	448 N MAIN ST, COVINGTON, OH 45318-1432
Document Number	0000009893
Instrument Date	Jul 07, 2020
Transaction Type	Mortgage
Record Updated	Aug 28, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	448 N MAIN ST COVINGTON OH 453181432, COVINGTON, OH 45318-1432

Mortgage

Document Number	0000009893
Date	Jul 22, 2020
Instrument	9893

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 21, 2035

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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

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	$3,598.00 (+14.15%) Homeowner's exemption	$110,250 (+30.97%) Land $12,600 Building $97,650	$315,000 (+30.98%) Land $36,000 Building $279,000
2024	$3,152.00 (+3.79%) Homeowner's exemption	$84,180 (-) Land $13,650 Building $70,530
2023	$3,037.00 (-3.4%) Homeowner's exemption	$84,180 (-) Land $13,650 Building $70,530	$240,500 (-) Land $39,000 Building $201,500
2022	$3,144.00 Homeowner's exemption	$84,180 Land $13,650 Building $70,530	$240,500 Land $39,000 Building $201,500

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

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.