117 1/2 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 117 1/2 Howard St, Findlay, OH 45840 · Last verified June 2026

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 1,392 sqft · built 1980
Lot Size	0.057 acres (2,500 sqft)
Owner	Company Name on File
Last Sale	$89,000 (Apr 2019)
Tax Bill	$989 (2025)
Deeds & Mortgages	Aug 2017 Line of Credit Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-131-01-033.000`

Property Details

APN / Parcel Number

Primary APN	`1010-131-01-033.000`
Alternative APN	`570000220050`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,392 sqft Living Area
1st Floor Area	696 sqft
2nd Floor Area	696 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	2,500 sqft (0.057 acres)
Lot Dimensions	50 ft deep x 50 ft wide
Balcony Area	116 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	117 1/2 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3607
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	GOITS ADD N FINDLAY LOT 1300 E50FT
Legal Subdivision	GOITS ADD N FINDLAY
Legal Lot Number	1300
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1000
Census Tract	902

Owner

Source: Hancock County records · APN 1010-131-01-033.000

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	826 N MAIN ST, FINDLAY, OH 45840-3550
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2017	Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK
Apr 19, 2019	Warranty Deed, Transfer · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 19, 2019 · Amount on Record
Deed Sale	Apr 19, 2019 · Amount on Record
Prior Sale	Mar 14, 1984 · Amount on Record
Deed Document Number	20192878
Deed Book / Page	2555 / 2394
Record Updated	Sep 20, 2026

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	117 1/2 HOWARD ST, FINDLAY, OH 45840-3607
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02524/0022
Date	Aug 10, 2017
Book Page	2524/0022
Instrument	201700006862

Lender

Name	THE FARMERS & MERCHANTS STATE BANK
Type	Bank
Address	ARCHBOLD, OH 43502

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	168 Months
Due	Aug 04, 2031

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 19, 2019
Property Address	117 1/2 HOWARD ST, FINDLAY, OH 45840-3607
Document Number	02555/2394
Book / Page	2555 / 2394
Instrument Date	Apr 15, 2019
Instrument	201900002878
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1000 WASHINGTON AVE, FINDLAY, OH 45840-5056

Mortgage

Document Number	201900002889
Date	Apr 19, 2019
Instrument	201900002889

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$989.00 (+26.31%)	$31,440 (+46.57%) Land $4,010 Building $27,430	$89,830 (+46.57%) Land $11,460 Building $78,370
2023	$783.00	$21,450 Land $2,750 Building $18,700
2022			$61,290 Land $7,850 Building $53,440

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hancock County (39063C), updated June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390630009021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 17 individual NFIP policies nearby
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007, river or lake flooding, Severe Storms, Flooding, And Tornadoes
Claims By Storm	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond 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, availability as of December 31, 2025 · Published October 2026 · based on 359 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
Spectrum	Cable	1,000 / 1,000
HDER Link	Fixed Wireless (unlicensed)	500 / 500
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20
AT&T	DSL	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, Defiance Holdings, Amplex Electric, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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