1123 1st St, Findlay, OH 45840 Property Records

Hancock County property record for 1123 1st St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,294 sqft · built 1880
Lot Size	0.323 acres (14,079 sqft)
Owner	Individual Name on File
Last Sale	$170,000 (Dec 2005)
Tax Bill	$1,925 (2025)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1011-203-12-002.003`

Property Details

APN / Parcel Number

Primary APN	`1011-203-12-002.003`
Alternative APN	`210001031837`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	1,102 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,079 sqft (0.323 acres)
Lot Dimensions	176 ft deep x 80 ft wide
Garage Type	Detached
Garage Area	462 sqft
Porch	Slab
Porch Area	855 sqft
Patio Area	110 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1123 1ST ST
City	FINDLAY
State	OH
Zip	45840-6415
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NATURAL GAS ADD L12410-12411 & PT ALY & N10FT L12412-12413
Legal Subdivision	NATURAL GAS ADD
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4014
Census Tract	700

Owner

1123 1st St is owned and occupied by an individual who acquired it in December 2017.

Source: Hancock County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	1123 1ST ST, FINDLAY, OH 45840-6415
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 3, 2018	Deed of Trust, Mortgage · Conventional Mortgage MILLSTREAM AREA CU INC
Oct 31, 2019	Deed of Trust, Mortgage · Conventional Mortgage MILLSTREAM AREA CU INC
Jan 18, 2018	Intrafamily Transfer, Transfer · Line of Credit MILLSTREAM AREA CU INC
Jun 7, 2017	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2005 · Amount on File
Deed Sale	Dec 29, 2005 · Amount on File
Deed Document Number	200517188
Deed Book / Page	2283 / 2495
Last Transfer Date	Dec 8, 2017
Transfer Doc	02532/0747
Record Updated	Sep 20, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	1123 1ST ST, FINDLAY, OH 45840-6415
Transaction Type	Mortgage
Record Updated	Mar 8, 2023
Title Company	HALLMARK TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02546/0543
Date	Oct 3, 2018
Book Page	2546/0543
Instrument	201800008294

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2048

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	1123 1ST ST, FINDLAY, OH 45840-6415
Transaction Type	Mortgage
Record Updated	Mar 8, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02562/4696
Date	Oct 31, 2019
Book Page	2562/4696
Instrument	201900009520

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2034

January 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Jan 18, 2018
Property Address	1123 1ST ST, FINDLAY, OH 45840-6415
Document Number	02532/0747
Book / Page	2532 / 0747
Instrument Date	Dec 8, 2017
Instrument	201800000450
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	ASSURED TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1123 1ST ST, FINDLAY, OH 45840-6415

Mortgage

Document Number	201800000452
Date	Jan 18, 2018
Instrument	201800000452

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 7, 2017
Property Address	1123 1ST ST, FINDLAY, OH 45840-6415
Document Number	02520/1528
Book / Page	2520 / 1528
Instrument Date	May 31, 2017
Instrument	201700004908
Transaction Type	Transfer
Record Updated	Apr 25, 2022

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	Right of Survivorship

Tax Assessment & Valuation

The 2025 property tax bill for 1123 1st St was $1,925 with a homeowner's exemption, up 12.9% from the year before.

Source: Hancock County assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hancock County
Municipality	Findlay City
Unified School District	Findlay City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,925.00 (+12.9%) Homeowner's exemption	$62,710 (+30.84%) Land $8,760 Building $53,950	$179,180 Land $25,030 Building $154,150
2024	$1,705.00 (-0.18%)	$47,930 (-) Land $6,640 Building $41,290
2023	$1,708.00 Homeowner's exemption	$47,930 Land $6,640 Building $41,290
2022			$136,940 Land $18,960 Building $117,980

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

FEMA maps place 1123 1st St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	125 (1981–2019)
Claims Outside the SFHA	11 of 125
Most Recent Claim	Apr 2019 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 67 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

The area around 1123 1st St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	FINDLAY CITY PWS serves 54,040 people · EPA ID OH3200111
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	2 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 424 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Amplex Wireless.

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