1320 Bernard Ave, Findlay, OH 45840 Property Records

Hancock County property record for 1320 Bernard Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,025 sqft · built 1956
Lot Size	0.329 acres (14,336 sqft)
Owner	Individual Name on File
Last Sale	$109,900 (Jul 2020)
Tax Bill	$1,473 (2025)
Deeds & Mortgages	Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-083-04-033.000`

Property Details

APN / Parcel Number

Primary APN	`1011-083-04-033.000`
Alternative APN	`590000275970`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,025 sqft Living Area
1st Floor Area	1,025 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	14,336 sqft (0.329 acres)
Lot Dimensions	128 ft deep x 112 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	180 sqft
Patio Area	111 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1320 BERNARD AVE
City	FINDLAY
State	OH
Zip	45840-5512
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARKSIDE 2ND ADD LOT 153
Legal Subdivision	PARKSIDE 2ND ADD
Legal Lot Number	153
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2007
Census Tract	600

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	1320 BERNARD AVE, FINDLAY, OH 45840-5512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 9, 2020 · Amount on File
Deed Sale	Jul 9, 2020 · Amount on File
Prior Sale	Jun 10, 1981
Deed Document Number	20206370
Deed Book / Page	2570 / 2512
Record Updated	Sep 20, 2026

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 9, 2020
Property Address	1320 BERNARD AVE, FINDLAY, OH 45840-5512
Document Number	02570/2512
Book / Page	2570 / 2512
Instrument Date	Jun 30, 2020
Instrument	202000006370
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1320 BERNARD AVE, FINDLAY, OH 45840-5512

Mortgage

Document Number	202000006371
Date	Jul 9, 2020
Instrument	202000006371

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2050

Interest

Index	5-Year TN

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	$1,473.00 (+6.89%)	$48,050 (+24.03%) Land $10,500 Building $37,550	$137,280 (+24.02%) Land $29,990 Building $107,290
2023	$1,378.00 Homeowner's exemption	$38,740 Land $8,460 Building $30,280
2022			$110,690 Land $24,180 Building $86,510

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

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	2 (1981–1982)
Most Recent Claim	Mar 1982 · 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 464 locations within half a mile, as of December 31, 2025

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