1505 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 1505 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,140 sqft · built 1999
Lot Size	12 acres (524,593 sqft)
Owner	2 Individual Names on Record
Last Sale	$849,500 (Jul 2026)
Tax Bill	$5,709 (2025)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I20-028850`

Property Details

APN / Parcel Number

Primary APN	`I20-028850`
Alternative APN	`080414.0-01-018-00`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,140 sqft Living Area
1st Floor Area	3,228 sqft
Upper Floors Area	518 sqft
Basement Area	1,606 sqft
Unfinished Basement	1,606 sqft
Family Room	Family Room

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick
Lot Area	524,593 sqft (12 acres)
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	25 sqft
Patio Area	120 sqft
Gazebo	112 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1505 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-9721
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-14 NW COR SE
Legal Range	04
Legal Township	08
Legal Section	14
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1031
Census Tract	330100

Owner

Source: Miami County records, as of August 10, 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 Record
Mailing Address	1505 HARSHBARGER RD, COVINGTON, OH 45318-9721
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Warranty Deed, Transfer · Conventional Mortgage FARM CREDIT SERVICES/MIDLANDS FLCA
Dec 15, 2025	Warranty Deed, Transfer · Conventional Mortgage GREENVILLE FEDERAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 23, 2026 · Amount on Record
Deed Sale	Jul 23, 2026 · Amount on Record
Prior Sale	Dec 15, 2025 · Amount on Record
Deed Document Number	20269150
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Jul 23, 2026
Property Address	1505 HARSHBARGER RD, COVINGTON, OH 45318-9721
Document Number	0000009150
Instrument Date	Jul 16, 2026
Instrument	20269150
Transaction Type	Transfer
Record Updated	Sep 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$171,599.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	1505 HARSHBARGER RD, COVINGTON, OH 45318-9721

Mortgage

Document Number	0000009151,
Date	Jul 23, 2026
Instrument	20269151

Lender

Name	FARM CREDIT SERVICES/MIDLANDS FLCA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 15, 2025
Property Address	1505 HARSHBARGER RD, COVINGTON, OH 45318-9721
Document Number	0000014455
Map Reference	VOL 24 PL NO 68
Instrument Date	Dec 10, 2025
Instrument	2025OR-14455
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	1505 HARSHBARGER RD, COVINGTON, OH 45318-9721

Mortgage

Document Number	0000014456
Date	Dec 15, 2025
Instrument	2025OR-14456

Lender

Name	GREENVILLE FEDERAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

Source: Miami County assessment roll, as of March 6, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Miami County
County Subdivision	Newton Township
Unified School District	Newton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,709.00 (+26.11%) Homeowner's exemption	$175,130 (+41.97%) Land $24,870 Building $150,260	$573,700 (+32.07%) Land $144,400 Building $429,300
2024	$4,527.00 (+2.1%) Homeowner's exemption	$123,360 (-) Land $18,180 Building $105,180
2023	$4,434.00 (-3.59%) Homeowner's exemption	$123,360 (-) Land $18,180 Building $105,180	$434,400 (-) Land $133,900 Building $300,500
2022	$4,599.00 Homeowner's exemption	$123,360 Land $18,180 Building $105,180	$434,400 Land $133,900 Building $300,500

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	3 (2005–2013)
Claims Outside the SFHA	2 of 3
Most Recent Claim	Dec 2013 · rainfall accumulation
Claims by Event	Severe Winter Storms, Flooding, And Mudslides, Jan 2005 · 2 claims

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Windstream Fiber	2,000 / 2,000
Watch TV Fixed Wireless	400 / 40

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