3175 Harshbarger Rd, Covington, OH 45318 Property Records

Miami County property record for 3175 Harshbarger Rd, Covington, OH 45318

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,480 sqft · built 1920
Lot Size	0.832 acres (36,285 sqft)
Owner	2 Company Names on File
Tax Bill	$3,019 (2025)
Deeds & Mortgages	Jan 2024 Transfer Jul 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`I20-026320`

Property Details

APN / Parcel Number

Primary APN	`I20-026320`
Alternative APNs	`080402.0-01-013-00` `I20NT002 00800`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,480 sqft Living Area
1st Floor Area	804 sqft
2nd Floor Area	676 sqft
Upper Floors Area	676 sqft
Basement Area	338 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2011
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	36,285 sqft (0.832 acres)
Garage Type	Mixed
Garage Area	1,336 sqft
Carport	Carport
Carport Area	312 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	383 sqft
Deck Area	128 sqft
Patio Area	128 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Sewer	Septic
Water Source	Well

Location & Zoning

Old Parcel Number	I20NT002 00800
Street Address	3175 HARSHBARGER RD
City	COVINGTON
State	OH
Zip	45318-9722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	4-8-2 PT S PT SE
Legal Range	08
Legal Township	04
Legal Section	02
Jurisdiction	MIAMI OH
Township / Civil Division	NEWTON
Census Block Group	1
Census Block	1027
Census Tract	330100

Owner

Source: Miami County records · APN I20-026320

Assessment roll updated January 1, 2025 · Last verified March 2026

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

Owner of Record	2 Company Names on File
Mailing Address	3175 HARSHBARGER RD, COVINGTON, OH 45318-9722
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jan 31, 2024	Intrafamily Transfer, Transfer
Jul 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage GREENVILLE NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 31, 2024
Deed Sale	Jan 31, 2024
Prior Transfer Date	Sep 23, 2009
Record Updated	Jun 08, 2026

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MIAMI OH
Recording Date	Jan 31, 2024
Property Address	3175 HARSHBARGER RD, COVINGTON, OH 45318-9722
Document Number	0000000984
Instrument Date	Jan 23, 2024
Instrument	2024OR-00984
Transaction Type	Transfer
Record Updated	Feb 20, 2024

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
Address	3175 HARSHBARGER RD, COVINGTON, OH 45318-9722

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MIAMI OH
Property Address	3175 HARSHBARGER RD, COVINGTON, OH 45318-9722
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000008575
Date	Jul 16, 2018
Instrument	2018OR-08575

Lender

Name	GREENVILLE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Miami County records · Assessment roll updated January 1, 2025 · Last verified March 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,019.00 (+21.24%) Homeowner's exemption	$85,650 (+27.06%) Land $11,480 Building $74,170	$244,700 (+27.05%) Land $32,800 Building $211,900
2024	$2,490.00 (+2.13%) Homeowner's exemption	$67,410 (-) Land $8,260 Building $59,150
2023	$2,438.00 (-3.6%) Homeowner's exemption	$67,410 (-) Land $8,260 Building $59,150	$192,600 (-) Land $23,600 Building $169,000
2022	$2,529.00 Homeowner's exemption	$67,410 Land $8,260 Building $59,150	$192,600 Land $23,600 Building $169,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 10, 2023 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · above 64% of Ohio
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

Based on FCC filings for 5 locations within half a mile of this property.

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