2854 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 2854 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,970 sqft · built 1920
Lot Size	10 acres (435,644 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,700 (Sep 2018)
Tax Bill	$2,636 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Sep 2018 Sale & Mortgage
Flood Zone	Zone A (high risk)
APN	`I20-026900`

Property Details

APN / Parcel Number

Primary APN	`I20-026900`
Alternative APNs	`080411.0-01-005-00` `I20NT013 00300`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,970 sqft Living Area
1st Floor Area	3,292 sqft
Attic	Attic
Attic Area	324 sqft
Basement Area	450 sqft
Unfinished Basement	450 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1999
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	435,644 sqft (10 acres)
Terrain	Rolling
Garage Area	775 sqft
Parking Spaces	3 Parking Spaces
Patio Area	218 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2854 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-11 NE PT NW
Legal Range	04
Legal Township	08
Legal Section	11
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1023
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	2854 HARSHBARGER RD, COVINGTON, OH 45318-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2022	Deed of Trust, Mortgage · Line of Credit GREENVILLE NATIONAL BANK
Sep 26, 2018	Warranty Deed, Transfer · Conventional Mortgage GREENVILLE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 26, 2018 · Amount on Record
Deed Sale	Sep 26, 2018 · Amount on Record
Prior Sale	Nov 29, 2005 · Amount on Record
Deed Document Number	20182018OR-11824
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	2854 HARSHBARGER RD, COVINGTON, OH 45318-9722
Transaction Type	Mortgage
Record Updated	May 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2854 HARSHBARGER RD, COVINGTON, OH 45318-9722

Mortgage

Document Number	0000006295
Date	Apr 20, 2022
Instrument	2022OR-06295

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank
Address	GREENVILLE, OH 45331

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 13, 2032

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Sep 26, 2018
Property Address	2854 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000011824
Map Reference	VOL 44 PG 135
Instrument Date	Sep 21, 2018
Instrument	2018OR-11824
Transaction Type	Transfer
Record Updated	Sep 20, 2021

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	Right of Survivorship
Address	2854 HARSHBARGER RD, COVINGTON, OH 45318-9722

Mortgage

Document Number	0000011825
Date	Sep 26, 2018
Instrument	2018OR-11825

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 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	$2,636.00 (+21.59%) Homeowner's exemption	$81,020 (+36.95%) Land $14,830 Building $66,190	$313,700 (+23.89%) Land $124,600 Building $189,100
2024	$2,168.00 (+2.12%) Homeowner's exemption	$59,160 (-) Land $10,510 Building $48,650
2023	$2,123.00 (+11.85%) Homeowner's exemption	$59,160 (+15.98%) Land $10,510 Building $48,650	$253,200 (+10.13%) Land $114,200 Building $139,000
2022	$1,898.00 Homeowner's exemption	$51,010 Land $10,510 Building $40,500	$229,900 Land $114,200 Building $115,700

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
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

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