Hancock County property record for 123 E Main Cross St, Findlay, OH 45840
| Property Type | Office Building |
|---|---|
| Details | 982 sqft · built 1950 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Company Name on File |
| Last Sale | $250,000 (Jan 1989) |
| Tax Bill | $3,702 (2025) |
| Deeds & Mortgages | Jan 2021 Line of Credit Aug 2019 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1011-183-13-002.000 |
| Primary APN | 1011-183-13-002.000 |
|---|---|
| Alternative APN |
|
| Plumbing Fixtures | 15 Plumbing Fixtures |
|---|---|
| Units | 4 Units |
| Stories | 8 Stories |
| Building Area | 982 sqft Living Area |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Elevator | Elevator |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1955 |
| Exterior Material | Brick |
| Construction Type | Mixed |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 10,001 sqft (0.23 acres) |
| Lot Dimensions | 200 ft deep x 50 ft wide |
| Patio Area | 258 sqft |
| Balcony Area | 48 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 123 E MAIN CROSS ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-4884 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Office Building |
| Legal Description | FINDLAY ADD LOT 106 |
| Legal Subdivision | FINDLAY ADD |
| Legal Lot Number | 106 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 800 |
Source: Hancock County records · APN 1011-183-13-002.000
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 | 123 E MAIN CROSS ST, FINDLAY, OH 45840-4884 |
| Owner Type | Company |
| Vesting | Government |
| Date | Document |
|---|---|
| Jan 25, 2021 | Deed of Trust, Mortgage · Line of Credit THE FARMERS & MERCHANTS STATE BANK |
| Aug 12, 2019 | Deed of Trust, Mortgage · Commercial Mortgage THE FARMERS & MERCHANTS STATE BANK |
| Sep 26, 2017 | Intrafamily Transfer, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 03, 1989 · Amount on Record |
| Deed Sale | Jan 03, 1989 · Amount on Record |
| Prior Sale | Mar 16, 1987 · Amount on Record |
| Last Transfer Date | Jun 14, 2017 |
| Transfer Doc | 02526/1188 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 123 E MAIN CROSS ST, FINDLAY, OH 45840-4884 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2577/5340 |
|---|---|
| Date | Jan 25, 2021 |
| Book Page | 2577/5340 |
| Instrument | 202100000875 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 237 Months |
| Due | Oct 23, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 123 E MAIN CROSS ST, FINDLAY, OH 45840-4884 |
| Transaction Type | Mortgage |
| Record Updated | Sep 03, 2019 |
| Name | Verified Name |
|---|
| Document Number | 2560/1794 |
|---|---|
| Date | Aug 12, 2019 |
| Book Page | 2560/1794 |
| Instrument | 201900006635 |
| Name | THE FARMERS & MERCHANTS STATE BANK |
|---|---|
| Type | Bank |
| Address | ARCHBOLD, OH 43502 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Aug 01, 2039 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Sep 26, 2017 |
| Property Address | 123 E MAIN CROSS ST, FINDLAY, OH 45840-4884 |
| Document Number | 02526/1188 |
| Book / Page | 2526 / 1188 |
| Instrument Date | Jun 14, 2017 |
| Instrument | 201700008248 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 123 E MAIN CROSS ST, FINDLAY, OH 45840-4884 |
Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified June 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
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 | $3,702.00 (+9.72%) | $68,380 (+18.63%) Land $18,200 Building $50,180 | $195,360 (+18.62%) Land $52,000 Building $143,360 |
| 2024 | $3,374.00 (+4.3%) | $57,640 (-) Land $15,820 Building $41,820 | |
| 2023 | $3,235.00 | $57,640 Land $15,820 Building $41,820 | |
| 2022 | $164,690 Land $45,200 Building $119,490 |
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
| 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 |
|
| 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.
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 |
| AT&T Fiber · Fixed Wireless · DSL | 5,000 / 5,000 |
| 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 |
| HDER Link Fixed Wireless | 100 / 100 |
May also be available: Amplex Electric, Defiance Holdings, T-Mobile USA.
Based on FCC filings for 405 locations within half a mile of this property.
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 |
| 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.
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