2996 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 2996 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,936 sqft · built 2001
Lot Size	6.33 acres (276,127 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (May 2012)
Tax Bill	$6,293 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Nov 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I20-027200`

Property Details

APN / Parcel Number

Primary APN	`I20-027200`
Alternative APNs	`080402.0-01-017-00` `I20NT013 00400`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,936 sqft Living Area
1st Floor Area	3,872 sqft
Basement Area	1,936 sqft
Unfinished Basement	1,936 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Conventional
Exterior Material	Brick/Stone
Construction Type	Frame
Lot Area	276,127 sqft (6.33 acres)
Terrain	Rolling
Garage Type	Mixed
Garage Area	2,883 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	234 sqft
Deck Area	608 sqft
Patio Area	992 sqft
Shed	1 Shed
Shed Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Street Address	2996 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-2 SW COR SE & SE PT SW (5.166) 4-8-11 NE COR NW & NW COR NE
Legal Range	04
Legal Township	08
Legal Section	02
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1024
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	2996 HARSHBARGER RD, COVINGTON, OH 45318-9722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Line of Credit GREENVILLE FEDERAL
Nov 17, 2020	Intrafamily Transfer, Transfer · Conventional Mortgage GREENVILLE FEDERAL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 1, 2012 · Amount on Record
Deed Sale	May 1, 2012 · Amount on Record
Prior Sale	Apr 30, 2012 · Amount on Record
Deed Document Number	20122012OR-05738
Deed Book / Page	267 / 614
Last Transfer Date	Oct 19, 2020
Transfer Doc	0000017240
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Recording Date	Jun 15, 2026
Property Address	2996 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000007317
Instrument Date	Jun 3, 2026
Instrument	20267317
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2996 HARSHBARGER RD, COVINGTON, OH 45318-9722

Mortgage

Document Number	0000007317,
Date	Jun 15, 2026
Instrument	20267317

Lender

Name	GREENVILLE FEDERAL

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 7, 2036

Interest

Rate	6.37%
Max Rate	-1%

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Nov 17, 2020
Property Address	2996 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000017240
Instrument Date	Oct 19, 2020
Instrument	2020OR-17240
Transaction Type	Transfer
Record Updated	Feb 17, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2996 HARSHBARGER RD, COVINGTON, OH 45318-9722

Mortgage

Document Number	0000017241
Date	Nov 17, 2020
Instrument	2020OR-17241

Lender

Name	GREENVILLE FEDERAL
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$6,293.00 (+17.78%) Homeowner's exemption	$192,470 (+32.38%) Land $29,260 Building $163,210	$549,900 (+32.38%) Land $83,600 Building $466,300
2024	$5,343.00 (+2.1%) Homeowner's exemption	$145,390 (-) Land $25,690 Building $119,700
2023	$5,233.00 (-3.57%) Homeowner's exemption	$145,390 (-) Land $25,690 Building $119,700	$415,400 (-) Land $73,400 Building $342,000
2022	$5,427.00 Homeowner's exemption	$145,390 Land $25,690 Building $119,700	$415,400 Land $73,400 Building $342,000

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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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