109 S Harrison St, Covington, OH 45318 Property Records

Miami County property record for 109 S Harrison St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,442 sqft · built 1920
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$164,900 (Aug 2025)
Tax Bill	$1,608 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-005470`

Property Details

APN / Parcel Number

Primary APN	`H19-005470`
Alternative APNs	`080529.3-13-004-00` `H19SH019 01000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,442 sqft Living Area
1st Floor Area	1,988 sqft
Upper Floors Area	448 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	123 ft deep x 62 ft wide
Garage Type	Detached
Garage Area	320 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Patio Area	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	109 S HARRISON ST
City	COVINGTON
State	OH
Zip	45318-1524
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 428 62
Legal Subdivision	VILLAGE OF COVINGTON
Legal Lot Number	428
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2042
Census Tract	325000

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	109 S HARRISON ST, COVINGTON, OH 45318-1524
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 26, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Apr 17, 2018	Warranty Deed, Transfer · Conventional Mortgage GREENVILLE FED'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2025 · Amount on Record
Deed Sale	Aug 26, 2025 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	20259640
Record Updated	Oct 29, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 26, 2025
Property Address	109 S HARRISON ST, COVINGTON, OH 45318-1524
Document Number	0000009640
Instrument Date	Aug 25, 2025
Instrument	2025OR-09640
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	HOME SERVICES TITLE LLC

Transaction

Amount	Amount Recorded
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	109 S HARRISON ST, COVINGTON, OH 45318-1524

Mortgage

Document Number	0000009641
Date	Aug 26, 2025
Instrument	2025OR-09641

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Apr 17, 2018
Property Address	109 S HARRISON ST, COVINGTON, OH 45318-1524
Document Number	0000004558
Instrument Date	Apr 16, 2018
Instrument	4558
Transaction Type	Transfer
Record Updated	May 2, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$176.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	690 WAGNER AVE GREENVILLE OH 453312649, GREENVILLE, OH 45331-2649

Mortgage

Document Number	4559
Date	Apr 17, 2018
Instrument	4559

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 16, 2048

Tax Assessment & Valuation

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	$1,608.00 (-14.19%) Homeowner's exemption	$53,240 (+35.09%) Land $10,360 Building $42,880	$152,100 (+35.08%) Land $29,600 Building $122,500
2024	$1,874.00 (+2.97%) Homeowner's exemption	$39,410 (-) Land $11,200 Building $28,210
2023	$1,820.00 (-2.67%) Homeowner's exemption	$39,410 (-) Land $11,200 Building $28,210	$112,600 (-) Land $32,000 Building $80,600
2022	$1,870.00 Homeowner's exemption	$39,410 Land $11,200 Building $28,210	$112,600 Land $32,000 Building $80,600

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures