1965 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 1965 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1997
Lot Size	10 acres (437,778 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 2018)
Tax Bill	$3,838 (2025)
Deeds & Mortgages	Dec 2018 Transfer Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I20-029250`

Property Details

APN / Parcel Number

Primary APN	`I20-029250`
Alternative APNs	`080414.0-01-012-00` `I20NT016 00701`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
1st Floor Area	3,136 sqft
Basement Area	1,568 sqft
Unfinished Basement	1,568 sqft

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	437,778 sqft (10 acres)
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	384 sqft
Shed	1 Shed
Shed Area	238 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	1965 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-8743
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-14 NW COR NE
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 July 28, 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	1965 HARSHBARGER RD, COVINGTON, OH 45318-8743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY
Sep 10, 2018	Warranty Deed, Transfer · Conventional Mortgage FARM CREDIT SVCS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 10, 2018 · Amount on Record
Deed Sale	Sep 10, 2018 · Amount on Record
Prior Sale	Mar 30, 2010 · Amount on Record
Deed Document Number	20182018OR-11108
Last Transfer Date	Dec 14, 2018
Transfer Doc	0000015687
Record Updated	Oct 29, 2026

December 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	MIAMI OH
Recording Date	Dec 21, 2018
Property Address	1965 HARSHBARGER RD, COVINGTON, OH 45318-8743
Document Number	0000015687
Instrument Date	Dec 14, 2018
Instrument	15687
Transaction Type	Transfer
Record Updated	Jan 11, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	1965 HARSHBARGER RD COVINGTON OH 453188743, COVINGTON, OH 45318-8743

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 10, 2018
Property Address	1965 HARSHBARGER RD, COVINGTON, OH 45318-8743
Document Number	0000011108
Instrument Date	Sep 6, 2018
Instrument	11108
Transaction Type	Transfer
Record Updated	Sep 27, 2018
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$370.00
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	1965 HARSHBARGER RD COVINGTON OH 453188743, COVINGTON, OH 45318-8743

Mortgage

Document Number	11109
Date	Sep 10, 2018
Instrument	11109

Lender

Name	FARM CREDIT SVCS
Type	Funding / Finance Company
Address	LOUISVILLE, KY 40232

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 9, 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	Newton Township
Unified School District	Newton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,838.00 (+26.83%) Homeowner's exemption	$117,600 (+42.89%) Land $22,400 Building $95,200	$397,000 (+30.98%) Land $125,000 Building $272,000
2024	$3,026.00 (+2.13%) Homeowner's exemption	$82,300 (-) Land $16,320 Building $65,980
2023	$2,963.00 (-3.61%) Homeowner's exemption	$82,300 (-) Land $16,320 Building $65,980	$303,100 (-) Land $114,600 Building $188,500
2022	$3,074.00 Homeowner's exemption	$82,300 Land $16,320 Building $65,980	$303,100 Land $114,600 Building $188,500

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

Nearby Properties on Harshbarger Rd

Nearby Streets

All Covington, OH Property Records

Search Property Records by Address or Parcel Number

Search by:

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