4870 N State Rte 48, Covington, OH 45318 Property Records

Miami County property record for 4870 N State Rte 48, Covington, OH 45318 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1 Baths
Year Built	Built 1993
Square Footage	1,672 sqft Living Area
Lot Size	39,335 sqft (0.903 acres)
Garage	816 sqft
Occupancy	Owner Occupied
Tax Bill	$1,900.00 (2025)

Property Details

APN / Parcel Number

Primary APN	`H19-011290`
Alternative APN	`080531.1-02-003-00`

Interior

Bedrooms	3 Beds
Full Baths	1 Baths
Total Rooms	7 Rooms
Building Area	1,672 sqft Living Area
1st Floor	2,192 sqft 1st Floor
Upper Floors	576 sqft Upper Floors
Basement Area	288 sqft Basement
Unfinished Basement	288 sqft Unfinished
Family Room	Family Room
Stories	2 Stories

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1993
Architectural Style	Conventional Style
Exterior Material	Aluminum/Vinyl Exterior
Construction Type	Frame Construction
Lot Area	39,335 sqft (0.903 acres)
Depth X Width	328 ft x 107 ft Depth x Width
Parking Spaces	3 Parking Spaces
Garage Area	816 sqft Garage
Shed	1 Shed
Shed Area	360 sqft Shed
Porch Area	500 sqft Porch

Utilities and HVAC

Cooling System	Central Cooling
Heating System	HVAC Heating
Heating Fuel	Gas Heating Fuel
Sewage	Sewage Connected
Water Source	Yes (Unknown Type) Water Source

Location & Zoning

Street Address	4870 N STATE ROUTE 48
City	COVINGTON
State	OH
Zip	45318-8999
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	IN LOT 1149 107X328.66
Legal Subdivision	SAID VILLAGE
Legal Lot Number	1149
Jurisdiction	MIAMI OH
Minor Civil Division	NEWBERRY
Census Blockgroup	2
Census Block	2058
Census Tract	325000

Owner

Source: Miami County records · APN H19-011290

Assessment roll updated March 6, 2026 · Last verified August 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	4870 N STATE ROUTE 48, COVINGTON, OH 45318-8999
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 01, 1990
Deed Sale	Jan 01, 1990
Record Refreshed	Sep 20, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	4870 N STATE ROUTE 48, COVINGTON, OH 45318-8999
Transaction Type	Mortgage
Record Updated	Feb 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000015967
Date	Oct 29, 2020
Instrument	2020OR-15967

Lender

Name	HONDA FCU
Type	Credit Union
Address	MARYSVILLE, OH 43040

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly (Revolving credit lines are monthly unless stated otherwise).

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated March 6, 2026 · Last verified August 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	$1,900.00 (+12.56%) Homeowner's exemption	$62,930 (+39.57%) Land $8,820 Building $54,110	$179,800 (+39.6%) Land $25,200 Building $154,600
2024	$1,688.00 (+3.81%) Homeowner's exemption	$45,090 (-) Land $9,560 Building $35,530
2023	$1,626.00 (-3.44%) Homeowner's exemption	$45,090 (-) Land $9,560 Building $35,530	$128,800 (-) Land $27,300 Building $101,500
2022	$1,684.00 Homeowner's exemption	$45,090 Land $9,560 Building $35,530	$128,800 Land $27,300 Building $101,500

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Low above 5% of the US · above 25% of Ohio
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.