Miami County property record for 4613 W State Rte 41, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,904 sqft · built 1920 |
| Lot Size | 3.75 acres (163,481 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $195,000 (May 2025) |
| Tax Bill | $1,781 (2025) |
| Deeds & Mortgages | Jan 2020 Line of Credit Jan 2020 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | C06-000350 |
| Primary APN | C06-000350 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| 1st Floor Area | 2,456 sqft |
| Upper Floors Area | 676 sqft |
| Basement Area | 338 sqft |
| Unfinished Basement | 338 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 163,481 sqft (3.75 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 174 sqft |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Granary | 720 sqft |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 4613 W STATE ROUTE 41 |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-9743 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 5-7-2 SE PT SW |
| Legal Range | 05 |
| Legal Township | 07 |
| Legal Section | 02 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | CONCORD |
| Census Block Group | 5 |
| Census Block | 5004 |
| Census Tract | 365002 |
4613 W State Rte 41 is owned and occupied by two individuals who bought it in May 2025.
Source: Miami County records, as of July 28, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4613 W STATE ROUTE 41, COVINGTON, OH 45318-9743 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Jan 6, 2020 | Deed of Trust, Mortgage · Line of Credit FIFTH THIRD BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 19, 2025 · Amount on File |
| Deed Sale | May 19, 2025 · Amount on File |
| Prior Sale | Apr 24, 1996 · Amount on File |
| Deed Document Number | 20255483 |
| Prior Transfer Date | Nov 16, 2012 |
| Prior Transfer Doc | 0322000527 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 4613 W STATE ROUTE 41, COVINGTON, OH 45318-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000140 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 2020OR-00140 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jan 1, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 4613 W STATE ROUTE 41, COVINGTON, OH 45318-9743 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000000141 |
|---|---|
| Date | Jan 6, 2020 |
| Instrument | 2020OR-00141 |
| Name | FIFTH THIRD BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45263 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 359 Months |
| Due | Dec 25, 2049 |
The 2025 property tax bill for 4613 W State Rte 41 was $1,781 with a homeowner's exemption, down 23.9% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Concord Township |
| Unified School District | Troy City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,781.00 (-23.86%) Homeowner's exemption | $72,520 (+4.11%) Land $29,750 Building $42,770 | $207,200 Land $85,000 Building $122,200 |
| 2024 | $2,339.00 (+0.99%) Homeowner's exemption | $69,660 (-) Land $28,460 Building $41,200 | |
| 2023 | $2,316.00 (+16.09%) Homeowner's exemption | $69,660 (-) Land $28,460 Building $41,200 | $199,000 (-) Land $81,300 Building $117,700 |
| 2022 | $1,995.00 Homeowner's exemption | $69,660 Land $28,460 Building $41,200 | $199,000 Land $81,300 Building $117,700 |
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.
FEMA maps place 4613 W State Rte 41 in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 10, 2023
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 4613 W State Rte 41 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 98% of the US · lower than 90% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Fiber · Cable in parts of the area | 1,000 / 1,000 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
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