4850 N State Rte 48, Covington, OH 45318 Property Records

Miami County property record for 4850 N State Rte 48, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,400 sqft · built 1956
Lot Size	0.91 acres (39,640 sqft)
Owner	Individual Name on File
Last Sale	$255,400 (Nov 2020)
Tax Bill	$2,601 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit Nov 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`H19-011300`

Property Details

APN / Parcel Number

Primary APN	`H19-011300`
Alternative APNs	`080531.1-02-002-00` `H19SH083 00200`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,400 sqft Living Area
1st Floor Area	2,800 sqft
Basement Area	1,400 sqft
Unfinished Basement	1,400 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	39,640 sqft (0.91 acres)
Lot Dimensions	331 ft deep x 120 ft wide
Garage Type	Mixed
Garage Area	624 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	168 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	4850 N STATE ROUTE 48
City	COVINGTON
State	OH
Zip	45318-8999
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1150 120X331.12
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	1150
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2058
Census Tract	325000

Owner

4850 N State Rte 48 is owned and occupied by an individual who bought it in November 2020.

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	Individual Name on File
Mailing Address	4850 N STATE ROUTE 48, COVINGTON, OH 45318-8999
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2020	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Nov 20, 2020	Warranty Deed, Transfer · Line of Credit WESTERN OHIO MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2020 · Amount on File
Deed Sale	Nov 20, 2020 · Amount on File
Prior Sale	Sep 1, 1984 · Amount on File
Deed Document Number	20202020OR-17471
Record Updated	Oct 29, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	4850 N STATE ROUTE 48, COVINGTON, OH 45318-8999
Transaction Type	Mortgage
Record Updated	Aug 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000009382
Date	Jul 13, 2020
Instrument	2020OR-09382

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	ARCANUM, OH 45304

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 3, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Nov 20, 2020
Property Address	4850 N STATE ROUTE 48, COVINGTON, OH 45318-8999
Document Number	0000017471
Instrument Date	Nov 13, 2020
Instrument	2020OR-17471
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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4850 N STATE, COVINGTON, OH 45318

Mortgage

Document Number	0000017472
Date	Nov 20, 2020
Instrument	2020OR-17472

Lender

Name	WESTERN OHIO MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 4850 N State Rte 48 was $2,601 with a homeowner's exemption, down 3.2% 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	$2,601.00 (-3.16%) Homeowner's exemption	$83,860 (+16.93%) Land $8,820 Building $75,040	$239,600 Land $25,200 Building $214,400
2024	$2,686.00 (+3.83%) Homeowner's exemption	$71,720 (-) Land $9,560 Building $62,160
2023	$2,587.00 (-3.43%) Homeowner's exemption	$71,720 (-) Land $9,560 Building $62,160	$204,900 (-) Land $27,300 Building $177,600
2022	$2,679.00 Homeowner's exemption	$71,720 Land $9,560 Building $62,160	$204,900 Land $27,300 Building $177,600

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 4850 N State Rte 48 in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	5 (1978–2017)
Claims Outside the SFHA	4 of 5
Most Recent Claim	Nov 2017 · other causes

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 4850 N State Rte 48 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 94% of the US · lower than 74% 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.

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 82 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40

May also be available: Windstream.

Cell Coverage

5G (outdoors only) and 4G LTE

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