309 S Harrison St, Covington, OH 45318 Property Records

Miami County property record for 309 S Harrison St, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,630 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Aug 2020)
Tax Bill	$2,311 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`H19-005360`

Property Details

APN / Parcel Number

Primary APN	`H19-005360`
Alternative APNs	`080529.3-25-006-00` `H19SH017 02500`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,630 sqft Living Area
1st Floor Area	990 sqft
2nd Floor Area	640 sqft
Upper Floors Area	640 sqft
Basement Area	765 sqft
Family Room	Family Room

Exterior

Year Built	Built 1920
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	8,712 sqft (0.2 acres)
Lot Dimensions	123 ft deep x 70 ft wide
Garage Type	Detached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	210 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Sewer	Connected

Location & Zoning

Old Parcel Number	H19SH017 02500
Street Address	309 S HARRISON ST
City	COVINGTON
State	OH
Zip	45318-1152
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	IN LOT 420 70
Legal Subdivision	COVINGTON
Legal Lot Number	420 70
Jurisdiction	MIAMI OH
Township / Civil Division	NEWBERRY
Census Block Group	2
Census Block	2053
Census Tract	325000

Owner

Source: Miami County records, as of March 5, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	309 S HARRISON ST, COVINGTON, OH 45318-1152
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Deed of Trust, Mortgage FIFTH THIRD BANK OF WESTERN OHIO
Aug 11, 2020	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2020 · Amount on Record
Deed Sale	Aug 11, 2020 · Amount on Record
Prior Sale	Feb 4, 2020 · Amount on Record
Deed Document Number	1570
Record Updated	Jun 8, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	309 S HARRISON ST, COVINGTON, OH 45318-1152
Transaction Type	Mortgage
Record Updated	Feb 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 S HARRISON ST, COVINGTON, OH 45318-1152

Mortgage

Document Number	0000000901
Date	Jan 22, 2026
Instrument	2026OR-00901

Lender

Name	FIFTH THIRD BANK OF WESTERN OHIO
Type	Bank
Address	5050 KINGSLEY DR, CINCINNATI, OH 45227

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jan 25, 2056

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MIAMI OH
Recording Date	Aug 11, 2020
Property Address	309 S HARRISON ST, COVINGTON, OH 45318-1152
Document Number	0000011164
Instrument Date	Jun 30, 2020
Instrument	2020OR-11164
Transaction Type	Transfer
Record Updated	Feb 17, 2022
Title Company	SPRINGDALE TITLE LLC

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
Address	309 S HARRISON ST, COVINGTON, OH 45318-1152

Mortgage

Document Number	0000011165
Date	Aug 11, 2020
Instrument	2020OR-11165

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Jul 1, 2050

Tax Assessment & Valuation

Source: Miami County assessment roll, as of January 1, 2025

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	$2,311.00 (+17.31%) Homeowner's exemption	$70,810 (+34.59%) Land $11,030 Building $59,780	$202,300 (+34.6%) Land $31,500 Building $170,800
2024	$1,970.00 (+3.79%) Homeowner's exemption	$52,610 (-) Land $11,940 Building $40,670
2023	$1,898.00 (-3.41%) Homeowner's exemption	$52,610 (-) Land $11,940 Building $40,670	$150,300 (-) Land $34,100 Building $116,200
2022	$1,965.00 Homeowner's exemption	$52,610 Land $11,940 Building $40,670	$150,300 Land $34,100 Building $116,200

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 100 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

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

Nearby Properties on S Harrison St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures