Miami County property record for 2638 Harshbarger Rd, Covington, OH 45318
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 2,554 sqft · built 2015 |
| Lot Size | 12.1 acres (529,254 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $6,546 (2025) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | I20-026950 |
| Primary APN | I20-026950 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,554 sqft Living Area |
| 1st Floor Area | 5,108 sqft |
| Basement Area | 2,554 sqft |
| Unfinished Basement | 2,554 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Conventional |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 529,254 sqft (12.1 acres) |
| Garage Area | 776 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 488 sqft |
| Patio Area | 300 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Sewer | Septic |
| Water Source | Well |
| Street Address | 2638 HARSHBARGER RD |
|---|---|
| City | COVINGTON |
| State | OH |
| Zip | 45318-8757 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 4-8-11 CEN PT NW |
| Legal Range | 04 |
| Legal Township | 08 |
| Legal Section | 11 |
| Jurisdiction | MIAMI OH |
| Township / Civil Division | NEWTON |
| Census Block Group | 1 |
| Census Block | 1024 |
| Census Tract | 330100 |
2638 Harshbarger Rd is owned and occupied by an individual.
Source: Miami County records, as of July 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2638 HARSHBARGER RD, COVINGTON, OH 45318-8757 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | MIAMI OH |
| Property Address | 2638 HARSHBARGER RD, COVINGTON, OH 45318-8757 |
| Document Number | 0000004714 |
| Instrument Date | Apr 6, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2638 HARSHBARGER RD COVINGTON OH 453188757, COVINGTON, OH 45318-8757 |
| Document Number | 0000004714 |
|---|---|
| Date | Apr 15, 2020 |
| Instrument | 4714 |
| Name | GREENVILLE FED'L |
|---|---|
| Type | Funding / Finance Company |
| Address | GREENVILLE, OH 45331 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Apr 14, 2040 |
The 2025 property tax bill for 2638 Harshbarger Rd was $6,546 with a homeowner's exemption, up 20.1% from the year before.
Source: Miami County assessment roll, as of March 6, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Miami County |
| County Subdivision | Newton Township |
| Unified School District | Newton Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,546.00 (+20.07%) Homeowner's exemption | $200,830 (+35.19%) Land $15,890 Building $184,940 | $675,000 Land $146,600 Building $528,400 |
| 2024 | $5,452.00 (+12.71%) Homeowner's exemption | $148,550 (+10.14%) Land $11,630 Building $136,920 | |
| 2023 | $4,837.00 (-3.59%) Homeowner's exemption | $134,870 (-) Land $11,630 Building $123,240 | $527,400 (+8.01%) Land $136,200 Building $391,200 |
| 2022 | $5,017.00 Homeowner's exemption | $134,870 Land $11,630 Building $123,240 | $488,300 Land $136,200 Building $352,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2638 Harshbarger Rd in Zone X, an area of minimal flood risk, within 100 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 100 ft |
| 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 |
|
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 risk around 2638 Harshbarger Rd 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 98% of the US · lower than 90% 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.
Source: FCC Broadband Data Collection, based on 3 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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