1515 E Main Cross St, Findlay, OH 45840 Property Records

Hancock County property record for 1515 E Main Cross St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,170 sqft · built 1965
Lot Size	0.292 acres (12,724 sqft)
Owner	Individual Name on File
Last Sale	$93,000 (Jun 1984)
Tax Bill	$2,756 (2025)
Deeds & Mortgages	Dec 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-174-03-006.000`

Property Details

APN / Parcel Number

Primary APN	`1011-174-03-006.000`
Alternative APN	`600000308680`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,170 sqft Living Area
1st Floor Area	2,170 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	12,724 sqft (0.292 acres)
Lot Dimensions	126 ft deep x 101 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	76 sqft
Deck Area	168 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1515 E MAIN CROSS ST
City	FINDLAY
State	OH
Zip	45840-7007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMPSON ADD LOT 40
Legal Subdivision	THOMPSON ADD
Legal Lot Number	40
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4001
Census Tract	700

Owner

Source: Hancock County records · APN 1011-174-03-006.000

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	1515 E MAIN CROSS ST, FINDLAY, OH 45840-7007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 01, 1984 · Amount on Record
Deed Sale	Jun 01, 1984 · Amount on Record
Prior Sale	May 11, 1984
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	1515 E MAIN CROSS ST, FINDLAY, OH 45840-7007
Transaction Type	Mortgage
Record Updated	Dec 21, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 E MAIN CROSS ST, FINDLAY, OH 45840-7007

Mortgage

Document Number	02599/4502
Date	Dec 12, 2022
Book Page	2599/4502
Instrument	202200010736

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	278 Months
Due	Feb 01, 2046

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,756.00 (+6.9%)	$89,840 (+24.04%) Land $14,600 Building $75,240	$256,660 (+24.03%) Land $41,700 Building $214,960
2023	$2,578.00 Homeowner's exemption	$72,430 Land $11,770 Building $60,660
2022			$206,940 Land $33,630 Building $173,310

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 minimal risk
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 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Metronet Holdings Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 50
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

Based on FCC filings for 125 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.