231 Waddle St, Findlay, OH 45840 Property Records

Hancock County property record for 231 Waddle St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,895 sqft · built 1988
Lot Size	0.248 acres (10,799 sqft)
Owner	Individual Name on Record
Last Sale	$212,500 (Apr 2020)
Tax Bill	$2,786 (2025)
Deeds & Mortgages	Dec 2017 Line of Credit Apr 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-011-05-010.000`

Property Details

APN / Parcel Number

Primary APN	`1010-011-05-010.000`
Alternative APN	`580001004231`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,895 sqft Living Area
1st Floor Area	1,580 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,799 sqft (0.248 acres)
Lot Dimensions	135 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	20 sqft
Patio Area	220 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	231 WADDLE ST
City	FINDLAY
State	OH
Zip	45840-4085
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGH POINT SUB LOT 28
Legal Subdivision	HIGH POINT SUB
Legal Lot Number	28
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3004
Census Tract	400

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	231 WADDLE ST, FINDLAY, OH 45840-4085
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 29, 2017	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK OF THE MIDWEST
Apr 30, 2020	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jun 18, 2018	Survivorship Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Jun 18, 2018 · Amount on Record
Deed Document Number	20203736
Deed Book / Page	2567 / 5422
Prior Transfer Date	Feb 1, 2012
Prior Transfer Doc	2412/1981
Record Updated	Sep 20, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	231 WADDLE ST, FINDLAY, OH 45840-4085
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2531/1121
Date	Dec 29, 2017
Book Page	2531/1121
Instrument	201700010945

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Nov 30, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 30, 2020
Property Address	231 WADDLE ST, FINDLAY, OH 45840-4085
Document Number	2567/5422
Book / Page	2567 / 5422
Instrument Date	Apr 24, 2020
Instrument	202000003736
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	MID S TITLE AGENCY, MID AM TITLE AGENCY

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	231 WADDLE ST, FINDLAY, OH 45840-4085

Mortgage

Document Number	202000003737
Date	Apr 30, 2020
Instrument	202000003737

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2050

June 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 18, 2018
Property Address	231 WADDLE ST, FINDLAY, OH 45840-4085
Document Number	2540/0462
Book / Page	2540 / 0462
Instrument Date	Jun 15, 2018
Instrument	201800004882
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	231 WADDLE ST, FINDLAY, OH 45840-4085

Mortgage

Document Number	201800004883
Date	Jun 18, 2018
Instrument	201800004883

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

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	$2,786.00 (+17.4%) Homeowner's exemption	$90,890 (+36%) Land $12,220 Building $78,670	$259,680 (+36%) Land $34,920 Building $224,760
2024	$2,373.00 (-0.17%)	$66,830 (-) Land $8,990 Building $57,840
2023	$2,377.00 Homeowner's exemption	$66,830 Land $8,990 Building $57,840
2022			$190,940 Land $25,680 Building $165,260

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 483 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 · Fiber in parts of the area	1,000 / 1,000
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies.

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