213 S Harrison St, Covington, OH 45318 Property Records

Miami County property record for 213 S Harrison St, Covington, OH 45318

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 2,072 sqft · built 1900
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on File
Last Sale	$204,000 (Sep 2022)
Tax Bill	$2,135 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`H19-005410`

Property Details

APN / Parcel Number

Primary APN	`H19-005410`
Alternative APN	`080529.3-18-003-00`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,072 sqft Total Area
1st Floor Area	2,072 sqft
Upper Floors Area	1,036 sqft
Basement Area	448 sqft
Unfinished Basement	448 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	123 ft deep x 58 ft wide

Exterior Amenities

Porch	Slab
Porch Area	312 sqft
Shed	1 Shed
Shed Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Street Address	213 S HARRISON ST
City	COVINGTON
State	OH
Zip	45318-1526
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	IN LOT 423 58
Legal Lot Number	423
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2043
Census Tract	325000

Owner

213 S Harrison St, a duplex, is owned and occupied by an individual who bought it in September 2022.

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

Owner of Record	Individual Name on File
Mailing Address	213 S HARRISON ST, COVINGTON, OH 45318-1526
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
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage THRIVE MORTGAGE LLC
Oct 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CREDIT UNION INC
May 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage WRIGHTPATT CU INC
Aug 17, 2017	Deed of Trust, Mortgage · Conventional Mortgage WRIGHT-PATT CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2022 · Amount on File
Deed Sale	Sep 9, 2022 · Amount on File
Prior Sale	Sep 7, 2000 · Amount on File
Deed Document Number	202213433
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 9, 2022
Property Address	213 S HARRISON ST, COVINGTON, OH 45318-1526
Document Number	0000013433
Instrument Date	Sep 8, 2022
Instrument	2022OR-13433
Transaction Type	Transfer
Record Updated	Sep 26, 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
Address	213 S HARRISON ST, COVINGTON, OH 45318-1526

Mortgage

Document Number	0000013434
Date	Sep 9, 2022
Instrument	2022OR-13434

Lender

Name	THRIVE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	213 S HARRISON ST, COVINGTON, OH 45318-1526
Transaction Type	Mortgage
Record Updated	Aug 25, 2022
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000018333
Date	Oct 21, 2021
Instrument	2021OR-18333

Lender

Name	WRIGHT-PATT CREDIT UNION INC
Type	Credit Union
Address	DAYTON, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2036

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	213 S HARRISON ST, COVINGTON, OH 45318-1526
Document Number	0000006161
Instrument Date	May 3, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	213 S HARRISON ST COVINGTON OH 453181526, COVINGTON, OH 45318-1526

Mortgage

Document Number	0000006161
Date	May 22, 2018
Instrument	6161

Lender

Name	WRIGHTPATT CU INC
Address	BEAVERCREEK, OH 45434

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	213 S HARRISON ST, COVINGTON, OH 45318-1526
Document Number	0000010453
Instrument Date	Aug 17, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	213 S HARRISON ST COVINGTON OH 453181526, COVINGTON, OH 45318-1526

Mortgage

Document Number	0000010453
Date	Aug 23, 2017
Instrument	10453

Lender

Name	WRIGHT-PATT CU
Type	Credit Union
Address	BEAVERCREEK, OH 45431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 22, 2032

Tax Assessment & Valuation

The 2025 property tax bill for 213 S Harrison St was $2,135 with a homeowner's exemption, up 23.1% 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	$2,135.00 (+23.05%) Homeowner's exemption	$69,800 (+52.34%) Land $9,840 Building $59,960	$199,400 Land $28,100 Building $171,300
2024	$1,735.00 (+3.77%) Homeowner's exemption	$45,820 (-) Land $10,640 Building $35,180
2023	$1,672.00 (-3.41%) Homeowner's exemption	$45,820 (-) Land $10,640 Building $35,180	$130,900 (-) Land $30,400 Building $100,500
2022	$1,731.00 Homeowner's exemption	$45,820 Land $10,640 Building $35,180	$130,900 Land $30,400 Building $100,500

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

FEMA maps place 213 S Harrison St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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 213 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

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