116 E Main Cross St, Findlay, OH 45840 Property Records

Hancock County property record for 116 E Main Cross St, Findlay, OH 45840

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	6,500 sqft · built 1995
Lot Size	0.23 acres (10,001 sqft)
Owner	Company Name on File
Last Sale	$450,000 (Oct 2021)
Tax Bill	$7,663 (2025)
Deeds & Mortgages	Oct 2021 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`1011-183-12-029.000`

Property Details

APN / Parcel Number

Primary APN	`1011-183-12-029.000`
Alternative APN	`570000211250`

Interior

Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	6,500 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Unfinished
Elevator	Elevator

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Concrete Block
Construction Type	Mixed
Roof Type	Shed Roof
Roof Material	Metal
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Canopy	1,800 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	116 E MAIN CROSS ST
City	FINDLAY
State	OH
Zip	45840-4817
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	FINDLAY ADD LOT 112
Legal Subdivision	FINDLAY ADD
Legal Lot Number	112
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1011
Census Tract	800

Owner

Source: Hancock County records · APN 1011-183-12-029.000

Assessment roll updated May 29, 2026 · Last verified June 2026

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

Owner of Record	Company Name on File
Mailing Address	116 E MAIN CROSS ST, FINDLAY, OH 45840-4817
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 01, 2021 · Amount on Record
Deed Sale	Oct 01, 2021 · Amount on Record
Prior Sale	Jun 13, 1996 · Amount on Record
Deed Document Number	202111528
Deed Book / Page	2587 / 2644
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 01, 2021
Property Address	116 E MAIN CROSS ST, FINDLAY, OH 45840-4817
Document Number	02587/2644
Book / Page	2587 / 2644
Instrument Date	Sep 28, 2021
Instrument	202100011528
Transaction Type	Transfer
Record Updated	Jul 11, 2023
Title Company	FLAG CITY TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	116 E MAIN CROSS ST, FINDLAY, OH 45840-4817

Mortgage

Document Number	202100011530
Date	Oct 01, 2021
Instrument	202100011530

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	239 Months
Due	Sep 28, 2041

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified June 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

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,663.00 (+2.39%)	$141,510 (+6.14%) Land $18,200 Building $123,310	$404,310 (+6.14%) Land $52,000 Building $352,310
2023	$7,484.00 (+0.52%)	$133,330 (-) Land $15,820 Building $117,510
2022	$7,445.00	$133,330 Land $15,820 Building $117,510	$380,930 Land $45,200 Building $335,730

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of June 2, 2011 · 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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	308 (1981–2017)
Claims Outside the SFHA	7 of 308
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 90 claims

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Amplex Electric, Defiance Holdings, HDER Link.

Based on FCC filings for 283 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	FINDLAY CITY PWS serves 54,040 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.