229 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 229 Howard St, Findlay, OH 45840

Property Summary

Property Type	Duplex
Details	10 bd · 5 ba · 3,366 sqft · built 2020
Lot Size	0.115 acres (5,001 sqft)
Owner	Company Name on Record
Last Sale	$10,000 (Jan 2020)
Tax Bill	$1,085 (2025)
Deeds & Mortgages	Apr 2020 Construction Loan Jan 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`1010-131-03-043.000`

Property Details

APN / Parcel Number

Primary APN	`1010-131-03-043.000`
Alternative APN	`580000243750`

Interior

Bedrooms	10 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	1 Plumbing Fixture
Total Rooms	16 Rooms
Stories	2 Stories
Building Area	3,366 sqft Living Area
1st Floor Area	1,122 sqft
2nd Floor Area	2,244 sqft
Basement Area	1,122 sqft
Finished Basement	1,122 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	5,001 sqft (0.115 acres)
Lot Dimensions	100 ft deep x 50 ft wide
Deck Area	Deck Area
Patio Area	386 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	229 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3609
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	KARG & KOB ADD LOT 4738
Legal Subdivision	KARG & KOB ADD
Legal Lot Number	4738
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1001
Census Tract	902

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	Company Name on Record
Mailing Address	260 HIGHLANDS CHASE, BALL GROUND, GA 30107-7101
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2020	Deed of Trust, Mortgage · Construction Mortgage THE OLD FORT BANKING COMPANY
Jan 30, 2020	Fiduciary Deed, Transfer ASSURED TITLE, ASSURED TITLE AGENCY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 30, 2020 · Amount on Record
Deed Sale	Jan 30, 2020 · Amount on Record
Prior Sale	Jan 16, 2004 · Amount on Record
Deed Document Number	2020900
Deed Book / Page	2565 / 1397
Prior Transfer Date	Jan 24, 2006
Prior Transfer Doc	02285/1350
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	229 HOWARD ST, FINDLAY, OH 45840
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002567/661
Date	Apr 8, 2020
Book Page	2567/661
Instrument	202000002978

Lender

Name	THE OLD FORT BANKING COMPANY
Type	Bank
Address	OLD FORT, OH 44861

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jan 3, 2021

Interest

Rate Type	Adjustable Rate
Change Frequency	6 Months

January 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 30, 2020
Property Address	229 HOWARD ST, FINDLAY, OH 45840
Document Number	02565/1397
Book / Page	2565 / 1397
Instrument Date	Jan 29, 2020
Instrument	202000000900
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8138 FERNWOOD DR, FINDLAY, OH 45840-7698

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	$1,085.00 (+26.46%)	$34,510 (+46.48%) Land $5,720 Building $28,790	$98,620 (+46.54%) Land $16,350 Building $82,270
2024	$858.00 (-0.23%)	$23,560 (-) Land $3,920 Building $19,640
2023	$860.00	$23,560 Land $3,920 Building $19,640
2022			$67,300 Land $11,200 Building $56,100

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

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
Flood Insurance Cost	Premium on Record median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	3 (2007)
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 3 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 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 359 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 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies, T-Mobile.

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