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Single Family ResidenceResidential
$323,295$175 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $210,000 on Sep 8, 2020

4365 N STATE ROUTE 48

COVINGTON, OH 45318
3
Beds
2
Baths
1,844 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.91 ac
Lot SizeThe size of the land the home sits on, from county records.
1955
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$323K
$300K low$347K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$210,000 · Sep 8, 2020

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$1,537 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$96,920 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$8,190
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$88,730
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$77,840
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$276,900

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.52
82
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
15
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
73
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
85
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
8
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.197 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.34%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Conventional
CountyMIAMI
Lot (acres)The size of the land the home sits on, from county records.0.91
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.No Foundation
HeatingThe type of heating system in the home.Yes
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Detached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 225 ft²Patio · 225 ft²Porch · 376 ft²

Transaction History(3)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Covington High SchoolA-
High · Grades 9–12 · 1.4 mi
M
Covington Junior High SchoolB+
Middle · Grades 7–8 · 1.4 mi
E
Covington Elementary SchoolB
Elementary · Grades KG–6 · 1.4 mi

District: Covington Exempted Village School District

Neighborhood · ZIP 45318These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.109
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.213
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.69

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.94%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.10%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.8.4%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.6,558
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.145 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$67,121
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$84,514
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.38 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.54%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

4365 N State Route 48 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Covington 45318
  • Costs more per square foot than 71% of homes in Covington 45318
  • Has a bigger lot than 79% of homes in Miami County

What homes are worth in Covington 45318

Each bar is how many homes fall in that price range. The marker is this home.

This home
$86K$602K

This home is worth more than 78% of homes in Covington 45318.

How it measures up in Covington 45318

The dot is this home. The mark in the middle is the typical home in Covington 45318.

Estimated value$323,295
CheaperTypical $214,174Pricier

Pricier than 78% of homes nearby

Price per ft²$175
CheaperTypical $142Pricier

Pricier than 71% of homes nearby

Living area1,844 ft²
SmallerTypical 1,664 ft²Bigger

Bigger than 62% of homes nearby

Lot size0.91 ac
SmallerTypical 0.36 acBigger

Bigger than 62% of homes nearby

Year built1955
OlderTypical 1954Newer

Newer than 53% of homes nearby

How 4365 N State Route 48 ranks against every home in each area.
MeasureThis homeCovington 45318Miami County
Estimated valuepricier than$323,29578% of homes67% of homes
Price per ft²pricier than$17571% of homes64% of homes
Living areabigger than1,844 ft²62% of homes60% of homes
Lot sizebigger than0.91 ac62% of homes79% of homes
Year builtnewer than195553% of homes36% of homes

About 4365 N State Route 48

How much is 4365 N State Route 48, Covington, OH worth?

The TopHap Estimate for 4365 N State Route 48, Covington, OH is $323,295 as of Sep 24, 2026. The likely range is $300,063 to $346,527. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4365 N State Route 48, Covington, OH last sell?

4365 N State Route 48, Covington, OH last sold on Sep 8, 2020 for $210,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 4365 N State Route 48, Covington, OH?

4365 N State Route 48, Covington, OH has 3 bedrooms, 2 bathrooms, 1,844 square feet of living space and a 0.91-acre lot.

When was 4365 N State Route 48, Covington, OH built?

4365 N State Route 48, Covington, OH was built in 1955, making it 71 years old. It is a conventional home. The building has 1 story.

What schools serve 4365 N State Route 48, Covington, OH?

4365 N State Route 48, Covington, OH is assigned to Covington High School (high), rated A-; Covington Junior High School (middle), rated B+; Covington Elementary School (elementary), rated B. All sit in Covington Exempted Village School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4365 N State Route 48, Covington, OH compare to other homes in Covington 45318?

Among the 2,158 homes in Covington 45318, it is worth more than 78% of them ($323,295 against a typical $214,174), its price per square foot is higher than 71% of them ($175 against a typical $142), it is bigger than 62% of them (1,844 ft² against a typical 1,664 ft²), its lot is bigger than 62% of them (0.91 ac against a typical 0.36 ac) and it is newer than 53% of them (1955 against a typical 1954). Measured against all of Miami County, it is worth more than 67% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 4365 N State Route 48, Covington, OH?

The 2025 property tax bill for 4365 N State Route 48, Covington, OH was $1,537. The county assessed it at $96,920.

More homes on N State Route 48

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