228 Esther Ln, Findlay, OH 45840 Property Records

Hancock County property record for 228 Esther Ln, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,295 sqft · built 1963
Lot Size	0.224 acres (9,775 sqft)
Owner	Individual Name on File
Last Sale	$122,500 (Jun 2012)
Tax Bill	$2,554 (2025)
Deeds & Mortgages	Sep 2017 Line of Credit Sep 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1011-303-16-022.000`

Property Details

APN / Parcel Number

Primary APN	`1011-303-16-022.000`
Alternative APN	`600000290130`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,295 sqft Living Area
1st Floor Area	1,314 sqft
2nd Floor Area	728 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,775 sqft (0.224 acres)
Lot Dimensions	115 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	269 sqft
Balcony Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	228 ESTHER LN
City	FINDLAY
State	OH
Zip	45840-5313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHIEBERS SUNBEAM ADD LOT 14
Legal Subdivision	SCHIEBERS SUNBEAM ADD
Legal Lot Number	14
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4013
Census Tract	1100

Owner

228 Esther Ln is owned and occupied by an individual who bought it in June 2012.

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

Owner of Record	Individual Name on File
Mailing Address	228 ESTHER LN, FINDLAY, OH 45840-5313
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit MILLSTREAM AREA CU INC
Sep 7, 2017	Deed of Trust, Mortgage · Line of Credit MILLSTREAM AREA CU INC
Jan 17, 2012	Sheriff's Deed, Foreclosure · Line of Credit THE COMMERCIAL SAVINGS BANK
Jul 18, 2006	Warranty Deed, Transfer · ARM MERITAGE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2012 · Amount on File
Deed Sale	Jun 1, 2012 · Amount on File
Prior Sale	Jan 17, 2012 · Amount on File
Deed Document Number	20125615
Deed Book / Page	2419 / 2492
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	228 ESTHER LN, FINDLAY, OH 45840-5313
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	ASSURED OH TITLE AGENCY INC, ASSURED TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02525/1429
Date	Sep 7, 2017
Book Page	2525/1429
Instrument	201700007719

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 6, 2027

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	228 ESTHER LN, FINDLAY, OH 45840-5313
Transaction Type	Mortgage
Record Updated	Sep 27, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700007719
Date	Sep 7, 2017
Book Page	2525/1429
Instrument	201700007719

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union
Address	Findlay, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Sep 6, 2027

January 2012: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 17, 2012
Property Address	228 ESTHER LN, FINDLAY, OH 45840-5313
Document Number	02411/1570
Book / Page	2411 / 1570
Instrument Date	Dec 28, 2011
Instrument	201200000461
Transaction Type	Foreclosure
Record Updated	Apr 25, 2022
Title Company	ATTORNEY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3235 NORCREST ST, FINDLAY, OH 45840-4135

Mortgage

Document Number	02411/1787
Date	Jan 18, 2012
Book Page	2411/1787
Instrument	201200000511

Lender

Name	THE COMMERCIAL SAVINGS BANK
Address	UPPER SANDUSKY, OH 43351

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 18, 2006
Property Address	228 ESTHER LN, FINDLAY, OH 45840-5313
Document Number	02298/1929
Book / Page	2298 / 1929
Instrument Date	Jul 13, 2006
Instrument	200600009045
Transaction Type	Transfer
Record Updated	Jun 9, 2026

Transaction

Amount	Amount 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

Mortgage

Document Number	200600009046
Date	Jul 18, 2006
Instrument	200600009046

Lender

Name	MERITAGE MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2036

Interest

Rate Type	Adjustable Rate
Rate	10.2%
Change Frequency	6 Months
Index	LIBOR

Tax Assessment & Valuation

The 2025 property tax bill for 228 Esther Ln was $2,554 with a homeowner's exemption.

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	$2,554.00	$83,310 Land $10,850 Building $72,460	$238,010 Land $30,990 Building $207,020
2023	$2,333.00 Homeowner's exemption	$65,590 Land $8,540 Building $57,050
2022			$187,400 Land $24,400 Building $163,000

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

Flood

FEMA maps place 228 Esther Ln in Zone X, an area of minimal flood risk, though there have been 22 flood claims nearby since 1981.

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 Policies	8 in force
Nearby Flood Claims	22 (1981–2011)
Most Recent Claim	Feb 2011 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 14 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

Wildfire risk around 228 Esther Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
HDER Link Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50

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