230 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 230 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,433 sqft · built 1954
Lot Size	0.344 acres (15,002 sqft)
Owner	2 Individual Names on Record
Last Sale	$215,000 (Jul 2023)
Tax Bill	$1,979 (2025)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1011-302-07-015.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-07-015.000`
Alternative APN	`570000205010`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,433 sqft Living Area
1st Floor Area	1,433 sqft
Basement Area	861 sqft
Unfinished Basement	861 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	15,002 sqft (0.344 acres)
Lot Dimensions	200 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	462 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	236 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	230 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5216
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST HIGHLAND ADD LOT 4278 W1/2FT & LOT 4279
Legal Subdivision	EAST HIGHLAND ADD
Legal Lot Number	4278
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1016
Census Tract	1100

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	2 Individual Names on Record
Mailing Address	230 E PEARL ST, FINDLAY, OH 45840-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2023	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Oct 29, 2018	Deed of Trust, Mortgage · Line of Credit MILLSTREAM AREA CU INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 14, 2023 · Amount on Record
Deed Sale	Jul 14, 2023 · Amount on Record
Prior Sale	Jul 6, 1987 · Amount on Record
Deed Document Number	20234646
Deed Book / Page	2604 / 2605
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 14, 2023
Property Address	230 E PEARL ST, FINDLAY, OH 45840-5216
Document Number	02604/2605
Book / Page	2604 / 2605
Instrument Date	Jul 7, 2023
Instrument	202300004646
Transaction Type	Transfer
Record Updated	Aug 1, 2023
Title Company	FLAG CITY TITLE AGENCY INC

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
Relationship	Right of Survivorship
Address	230 E PEARL ST, FINDLAY, OH 45840-5216

Mortgage

Document Number	202300004647
Date	Jul 14, 2023
Instrument	202300004647

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	230 E PEARL ST, FINDLAY, OH 45840-5216
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	ASSURED TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2547/1170
Date	Oct 29, 2018
Book Page	2547/1170
Instrument	201800008986

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Oct 28, 2033

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	$1,979.00 (+7.91%)	$64,550 (+25.22%) Land $11,660 Building $52,890	$184,430 (+25.22%) Land $33,310 Building $151,120
2023	$1,834.00 (+5.58%) Homeowner's exemption	$51,550 (+5.18%) Land $8,900 Building $42,650
2022	$1,737.00 Homeowner's exemption	$49,010 Land $8,900 Building $40,110	$147,280 Land $25,430 Building $121,850

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1981)
Most Recent Claim	Jun 1981 · rainfall accumulation

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

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
HDER Link Fixed Wireless	100 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Amplex Wireless, Buckeye Cablesystem, Watch TV.

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