129 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 129 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,219 sqft · built 1950
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$40,000 (Jun 2026)
Tax Bill	$1,518 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-302-09-003.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-09-003.000`
Alternative APN	`570000205210`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,219 sqft Living Area
1st Floor Area	608 sqft
2nd Floor Area	520 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	198 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	129 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5213
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST HIGHLAND ADD LOT 4304
Legal Subdivision	EAST HIGHLAND ADD
Legal Lot Number	4304
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1020
Census Tract	1100

Owner

Source: Hancock County records, as of July 23, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	129 E PEARL ST, FINDLAY, OH 45840-5213
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit FIRST NATIONAL BANK
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK OF PANA
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage FIRST NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Deed Document Number	20264387
Deed Book / Page	2630 / 754
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	Jul 14, 2026
Property Address	129 E PEARL ST, FINDLAY, OH 45840-5213
Document Number	0000005197
Book / Page	2630 / 5787
Instrument Date	Jul 2, 2026
Instrument	20265197
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	WHITMAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	129 E PEARL ST, FINDLAY, OH 45840-5213

Mortgage

Document Number	0000005197,
Date	Jul 14, 2026
Book Page	2630/5787
Instrument	20265197

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2036

Interest

Rate	6.48%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 15, 2026
Property Address	129 E PEARL ST, FINDLAY, OH 45840-5213
Document Number	0000004387
Book / Page	2630 / 754
Instrument Date	May 21, 2026
Instrument	20264387
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	WHITMAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	129 E PEARL ST, FINDLAY, OH 45840-5213

Mortgage

Document Number	0000004388,
Date	Jun 15, 2026
Instrument	20264388

Lender

Name	FIRST NATIONAL BANK OF PANA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.64%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 15, 2026
Property Address	129 E PEARL ST, FINDLAY, OH 45840-5213
Document Number	002630/754
Book / Page	2630 / 754
Instrument Date	May 21, 2026
Instrument	20264387
Transaction Type	Transfer
Record Updated	Aug 25, 2026
Title Company	WHITMAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,120.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	129 E PEARL ST, FINDLAY, OH 45840-5213

Mortgage

Document Number	0000004388,
Date	Jun 15, 2026
Instrument	20264388

Lender

Name	FIRST NATIONAL BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$1,518.00 (+12.86%)	$48,270 (+30.99%) Land $7,770 Building $40,500	$137,910 (+30.99%) Land $22,200 Building $115,710
2023	$1,345.00	$36,850 Land $5,930 Building $30,920
2022			$105,280 Land $16,950 Building $88,330

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

Flood

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · rainfall accumulation

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

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 393 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
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
HDER Link Fixed Wireless	100 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Amplex Wireless, Buckeye Cablesystem, Watch TV.

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