1323 E Main Cross St, Findlay, OH 45840 Property Records

Hancock County property record for 1323 E Main Cross St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,890 sqft · built 1959
Lot Size	0.263 acres (11,452 sqft)
Owner	Individual Name on File
Last Sale	$174,900 (Aug 2020)
Tax Bill	$2,384 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`1011-173-05-004.000`

Property Details

APN / Parcel Number

Primary APN	`1011-173-05-004.000`
Alternative APN	`600000300500`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	1,890 sqft Living Area
1st Floor Area	810 sqft
2nd Floor Area	270 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Wood
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,452 sqft (0.263 acres)
Lot Dimensions	138 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	212 sqft
Deck Area	458 sqft
Patio Area	458 sqft
Balcony Area	44 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1323 E MAIN CROSS ST
City	FINDLAY
State	OH
Zip	45840-6318
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STOWELL SUB DIV LOT 7
Legal Subdivision	STOWELL SUB
Legal Lot Number	7
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4024
Census Tract	700

Owner

Source: Hancock County records · APN 1011-173-05-004.000

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	Individual Name on File
Mailing Address	1323 E MAIN CROSS ST, FINDLAY, OH 45840-6318
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 21, 2020 · Amount on Record
Deed Sale	Aug 21, 2020 · Amount on Record
Prior Sale	Jun 01, 2005 · Amount on Record
Deed Document Number	20208242
Deed Book / Page	2572 / 1105
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 21, 2020
Property Address	1323 E MAIN CROSS ST, FINDLAY, OH 45840-6318
Document Number	02572/1105
Book / Page	2572 / 1105
Map Reference	VOL 4 PG 72
Instrument Date	Aug 17, 2020
Instrument	202000008242
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	FLAG CITY TITLE AGENCY INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
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	1323 E MAIN CROSS ST, FINDLAY, OH 45840-6318

Mortgage

Document Number	202000008243
Date	Aug 21, 2020
Instrument	202000008243

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 01, 2050

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	$2,384.00 (+12.03%)	$77,770 (+30.01%) Land $11,560 Building $66,210	$222,180 (+3%) Land $33,020 Building $189,160
2023	$2,128.00 Homeowner's exemption	$59,820 Land $8,890 Building $50,930
2022			$170,910 Land $25,400 Building $145,510

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 X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Nearby Flood Policies	44 in force
Nearby Flood Claims	125 (1981–2019)
Claims Outside the SFHA	11 of 125
Most Recent Claim	Apr 2019 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 67 claims

Wildfire

Wildfire Risk	Low lower than 98% of the US · lower than 90% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
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.

Historic Designation

Source: NPS National Register of Historic Places as of August 1, 2026 · Last verified October 2026

Listed Area	Within Findlay Country Club Golf Course listed 2019 · 1 contributing resources · NRIS 100004705

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
Defiance Holdings Fixed Wireless	200 / 50
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Amplex Electric.

Based on FCC filings for 255 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.