1539 E Main Cross St, Findlay, OH 45840 Property Records

Hancock County property record for 1539 E Main Cross St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,106 sqft · built 1967
Lot Size	0.366 acres (15,930 sqft)
Owner	Individual Name on Record
Last Sale	$188,000 (Jul 2017)
Tax Bill	$2,817 (2025)
Deeds & Mortgages	Jul 2017 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1011-174-03-016.000`

Property Details

APN / Parcel Number

Primary APN	`1011-174-03-016.000`
Alternative APN	`600000308740`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,106 sqft Living Area
1st Floor Area	2,106 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	15,930 sqft (0.366 acres)
Lot Dimensions	135 ft deep x 118 ft wide
Garage Type	Attached
Garage Area	696 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	384 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	1539 E MAIN CROSS ST
City	FINDLAY
State	OH
Zip	45840-7085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THOMPSON 2ND ADD LOT 46
Legal Subdivision	THOMPSON 2ND ADD
Legal Lot Number	46
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4001
Census Tract	700

Owner

Source: Hancock County records, as of May 29, 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	1539 E MAIN CROSS ST, FINDLAY, OH 45840-7085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2017 · Amount on Record
Deed Sale	Jul 12, 2017 · Amount on Record
Prior Sale	Jul 17, 1992 · Amount on Record
Deed Document Number	20175953
Deed Book / Page	2522 / 1056
Record Updated	Sep 20, 2026

July 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 12, 2017
Property Address	1539 E MAIN CROSS ST, FINDLAY, OH 45840-7085
Document Number	02522/1056
Book / Page	2522 / 1056
Instrument Date	Jul 7, 2017
Instrument	201700005953
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
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	1539 E MAIN CROSS ST, FINDLAY, OH 45840-7085

Mortgage

Document Number	201700005954
Date	Jul 12, 2017
Instrument	201700005954

Lender

Name	THE OLD FORT BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Aug 1, 2037

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	$2,817.00 (+6.87%)	$91,900 (+24%) Land $17,820 Building $74,080	$262,560 (+24%) Land $50,910 Building $211,650
2023	$2,636.00 Homeowner's exemption	$74,110 Land $14,370 Building $59,740
2022			$211,740 Land $41,060 Building $170,680

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
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

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

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 125 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 50
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20