2847 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 2847 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,750 sqft · built 1900
Lot Size	2.06 acres (89,734 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,250 (Jun 2025)
Tax Bill	$3,439 (2025)
Deeds & Mortgages	Jun 2025 Sale & Mortgage Feb 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`I20-028000`

Property Details

APN / Parcel Number

Primary APN	`I20-028000`
Alternative APNs	`080411.0-01-006-00` `I20NT013 00500`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,750 sqft Living Area
1st Floor Area	3,820 sqft
Upper Floors Area	840 sqft
Basement Area	420 sqft
Unfinished Basement	420 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 2003
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	89,734 sqft (2.06 acres)
Garage Type	Detached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Patio Area	435 sqft
Shed	1 Shed
Shed Area	96 sqft
Poultry House	736 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2847 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-11 NE COR NW & NW COR NE
Legal Range	04
Legal Township	08
Legal Section	11
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1027
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	2847 HARSHBARGER RD, COVINGTON, OH 45318-9722
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2025	Survivorship Deed, Transfer · Conventional Mortgage CORNERSTONE FIRST MORTGAGE INC
Feb 4, 2025	Intrafamily Transfer, Transfer
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE FEDERAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 30, 2025 · Amount on Record
Deed Sale	Jun 30, 2025 · Amount on Record
Prior Sale	Mar 27, 2012 · Amount on Record
Deed Document Number	20257099
Record Updated	Oct 29, 2026

June 2025: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	MIAMI OH
Recording Date	Jun 30, 2025
Property Address	2847 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000007099
Instrument Date	Jun 26, 2025
Instrument	2025OR-07099
Transaction Type	Transfer
Record Updated	Mar 6, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	2847 HARSHBARGER RD, COVINGTON, OH 45318-9722

Mortgage

Document Number	0000007100
Date	Jun 30, 2025
Instrument	2025OR-07100

Lender

Name	CORNERSTONE FIRST MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2055

February 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Feb 4, 2025
Property Address	2847 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000001088
Instrument Date	Jan 31, 2025
Instrument	2025OR-01088
Transaction Type	Transfer
Record Updated	Mar 6, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	7290 S MOTE RD, WEST MILTON, OH 45383-7700

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	2847 HARSHBARGER RD, COVINGTON, OH 45318-9722
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000013536
Date	Sep 22, 2020
Instrument	2020OR-13536

Lender

Name	GREENVILLE FEDERAL
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2040

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	$3,439.00 (+0.26%) Homeowner's exemption	$148,440 (+31.99%) Land $15,330 Building $133,110	$424,100 (+32%) Land $43,800 Building $380,300
2024	$3,430.00 (-15.56%) Homeowner's exemption	$112,460 (-) Land $11,800 Building $100,660
2023	$4,062.00 (-3.58%) Homeowner's exemption	$112,460 (-) Land $11,800 Building $100,660	$321,300 (-) Land $33,700 Building $287,600
2022	$4,213.00 Homeowner's exemption	$112,460 Land $11,800 Building $100,660	$321,300 Land $33,700 Building $287,600

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
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	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	Low lower than 94% of the US · lower than 74% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Windstream Fixed Wireless · Fiber in parts of the area	100 / 10
Skymesh Fixed Wireless	50 / 10

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