108 S Harrison St, Covington, OH 45318 Property Records

Miami County property record for 108 S Harrison St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,116 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$121,750 (Oct 2018)
Tax Bill	$1,780 (2025)
Deeds & Mortgages	May 2022 Transfer Feb 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-005890`

Property Details

APN / Parcel Number

Primary APN	`H19-005890`
Alternative APNs	`080529.3-12-006-00` `H19SH019 00500`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,116 sqft Living Area
1st Floor Area	1,568 sqft
Upper Floors Area	332 sqft
Basement Area	208 sqft
Unfinished Basement	208 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2019
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	126 ft deep x 61 ft wide

Exterior Amenities

Porch	Slab
Porch Area	308 sqft
Deck Area	160 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	108 S HARRISON ST
City	COVINGTON
State	OH
Zip	45318-1525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IL 468 61
Legal Lot Number	468
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2041
Census Tract	325000

Owner

108 S Harrison St is owned and occupied by an individual who bought it in October 2018.

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

Owner of Record	Individual Name on File
Mailing Address	108 S HARRISON ST, COVINGTON, OH 45318-1525
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
May 5, 2022	Transfer on Death Deed, Transfer
Feb 11, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage FARM CREDIT MID AMERICA FLCA
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage UNION HOME MORTGAGE CORP
Apr 13, 2018	Quit Claim Deed, Construction Loan · Construction Mortgage GREENVILLE FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on File
Deed Sale	Oct 1, 2018 · Amount on File
Prior Sale	May 10, 2005 · Amount on File
Deed Document Number	20182018OR-12014
Prior Transfer Date	Mar 19, 2018
Prior Transfer Doc	0000004384
Record Updated	Oct 29, 2026

May 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	MIAMI OH
Recording Date	May 5, 2022
Property Address	108 S HARRISON ST, COVINGTON, OH 45318-1525
Document Number	0000007223
Instrument Date	Apr 27, 2022
Instrument	2022OR-07223
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty
Address	108 S HARRISON ST, COVINGTON, OH 45318-1525

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Feb 11, 2022
Property Address	108 S HARRISON ST, COVINGTON, OH 45318-1525
Document Number	0000002336
Instrument Date	Feb 8, 2022
Instrument	2022OR-02336
Transaction Type	Transfer
Record Updated	Mar 9, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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	Right of Survivorship
Address	9709 W VERSAILLES RD, COVINGTON, OH 45318-8828

Mortgage

Document Number	0000002337
Date	Feb 11, 2022
Instrument	2022OR-02337

Lender

Name	FARM CREDIT MID AMERICA FLCA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2042

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Oct 1, 2018
Property Address	108 S HARRISON ST, COVINGTON, OH 45318-1525
Document Number	0000012014
Instrument Date	Sep 28, 2018
Instrument	2018OR-12014
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	WAVE TITLE AGENCY

Transaction

Amount	Amount on Record
Downpayment	Downpayment 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
Address	108 S HARRISON ST, COVINGTON, OH 45318-1525

Mortgage

Document Number	0000012015
Date	Oct 1, 2018
Instrument	2018OR-12015

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2048

April 2018: Quit Claim Deed, Construction Loan

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 13, 2018
Property Address	108 S HARRISON ST, COVINGTON, OH 45318-1525
Document Number	0000004384
Instrument Date	Mar 19, 2018
Instrument	4384
Transaction Type	Construction Loan
Record Updated	Apr 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	108 S HARRISON ST COVINGTON OH 453181525, COVINGTON, OH 45318-1525

Mortgage

Document Number	4385
Date	Apr 13, 2018
Instrument	4385

Lender

Name	GREENVILLE FED'L
Type	Funding / Finance Company
Address	GREENVILLE, OH 45331

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 12, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 108 S Harrison St was $1,780 with a homeowner's exemption, up 0.3% 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	$1,780.00 (+0.34%) Homeowner's exemption	$58,950 (+24.39%) Land $10,470 Building $48,480	$168,400 Land $29,900 Building $138,500
2024	$1,774.00 (+3.8%) Homeowner's exemption	$47,390 (-) Land $11,340 Building $36,050
2023	$1,709.00 (-3.45%) Homeowner's exemption	$47,390 (-) Land $11,340 Building $36,050	$135,400 (-) Land $32,400 Building $103,000
2022	$1,770.00 Homeowner's exemption	$47,390 Land $11,340 Building $36,050	$135,400 Land $32,400 Building $103,000

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 108 S Harrison St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1978.

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	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 108 S Harrison 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 99.1% of the US · lower than 96% 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 532 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 · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on S Harrison St

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