450 N Main St, Covington, OH 45318 Property Records

Miami County property record for 450 N Main St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,060 sqft · built 1900
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$135,000 (Sep 2021)
Tax Bill	$1,371 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`H19-003780`

Property Details

APN / Parcel Number

Primary APN	`H19-003780`
Alternative APNs	`080530.1-03-001-00` `H19NH038 00100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,060 sqft Living Area
1st Floor Area	1,456 sqft
Upper Floors Area	332 sqft
Basement Area	208 sqft
Unfinished Basement	208 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1988
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	10,890 sqft (0.25 acres)
Lot Dimensions	132 ft deep x 82 ft wide
Garage Type	Mixed
Garage Area	378 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	442 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	450 N MAIN ST
City	COVINGTON
State	OH
Zip	45318-1432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 258 82
Legal Subdivision	LEWIS FACE ADDITION
Legal Lot Number	258
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	1
Census Block	1018
Census Tract	325000

Owner

450 N Main St is owned and occupied by two individuals who bought it in September 2021.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	450 N MAIN ST, COVINGTON, OH 45318-1432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 10, 2021	Warranty Deed, Transfer · VA Mortgage WESTERN OHIO MORTGAGE CORP
Sep 13, 2019	Warranty Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2021 · Amount on File
Deed Sale	Sep 10, 2021 · Amount on File
Prior Sale	Sep 13, 2019 · Amount on File
Deed Document Number	20212021OR-15840
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 10, 2021
Property Address	450 N MAIN ST, COVINGTON, OH 45318-1432
Document Number	0000015840
Instrument Date	Sep 7, 2021
Instrument	2021OR-15840
Transaction Type	Transfer
Record Updated	Aug 25, 2022

Transaction

Amount	Amount 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
Relationship	Joint Tenants with Right of Survivorship
Address	450 N MAIN ST, COVINGTON, OH 45318-1432

Mortgage

Document Number	0000015841
Date	Sep 10, 2021
Instrument	2021OR-15841

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 13, 2019
Property Address	450 N MAIN ST, COVINGTON, OH 45318-1432
Document Number	0000010685
Instrument Date	Sep 6, 2019
Instrument	10685
Transaction Type	Transfer
Record Updated	Oct 3, 2019
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$60.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	450 N MAIN ST COVINGTON OH 453181432, COVINGTON, OH 45318-1432

Tax Assessment & Valuation

The 2025 property tax bill for 450 N Main St was $1,371 with a homeowner's exemption, up 2.7% 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	$1,371.00 (+2.7%) Homeowner's exemption	$45,400 (+27.38%) Land $12,500 Building $32,900	$129,700 Land $35,700 Building $94,000
2024	$1,335.00 (+3.81%) Homeowner's exemption	$35,640 (-) Land $13,550 Building $22,090
2023	$1,286.00 (-3.38%) Homeowner's exemption	$35,640 (-) Land $13,550 Building $22,090	$101,800 (-) Land $38,700 Building $63,100
2022	$1,331.00 Homeowner's exemption	$35,640 Land $13,550 Building $22,090	$101,800 Land $38,700 Building $63,100

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 450 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 450 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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