Hancock County property record for 232 Elm St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,623 sqft · built 1915 |
| Lot Size | 0.137 acres (5,976 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $122,000 (Sep 1993) |
| Tax Bill | $2,072 (2025) |
| Deeds & Mortgages | Apr 2024 Line of Credit Mar 2017 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-241-20-009.000 |
| Primary APN | 1010-241-20-009.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,623 sqft Living Area |
| 1st Floor Area | 1,063 sqft |
| Basement Area | 1,063 sqft |
| Unfinished Basement | 1,063 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Effective Year Built | Effective 1915 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,976 sqft (0.137 acres) |
| Lot Dimensions | 139 ft deep x 43 ft wide |
| Garage Type | Detached |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 377 sqft |
| Balcony Area | 26 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 232 ELM ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-3014 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | CORY LIMA ST ADD LOT 8478 |
| Legal Subdivision | CORY LIMA ST ADD |
| Legal Lot Number | 8478 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 1000 |
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 | 232 ELM ST, FINDLAY, OH 45840-3014 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 4, 2024 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Mar 10, 2017 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Sep 4, 2020 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 1993 · Amount on Record |
| Deed Sale | Sep 20, 1993 · Amount on Record |
| Prior Sale | Feb 28, 1989 · Amount on Record |
| Last Transfer Date | Mar 14, 2005 |
| Transfer Doc | 02260/2110 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 232 ELM ST, FINDLAY, OH 45840-3014 |
| Transaction Type | Mortgage |
| Record Updated | Apr 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 232 ELM ST, FINDLAY, OH 45840-3014 |
| Document Number | 02609/4565 |
|---|---|
| Date | Apr 4, 2024 |
| Book Page | 2609/4565 |
| Instrument | 202400002133 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Mar 28, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 232 ELM ST, FINDLAY, OH 45840-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2515/1777 |
|---|---|
| Date | Mar 10, 2017 |
| Book Page | 2515/1777 |
| Instrument | 201700002122 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43229 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 232 ELM ST, FINDLAY, OH 45840-3014 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2572/4325 |
|---|---|
| Date | Sep 4, 2020 |
| Book Page | 2572/4325 |
| Instrument | 202000008855 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Aug 14, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
Source: Hancock County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,072.00 (+9.57%) Homeowner's exemption | $67,600 (+26.95%) Land $7,110 Building $60,490 | $193,140 (+26.96%) Land $20,320 Building $172,820 |
| 2024 | $1,891.00 (-0.16%) | $53,250 (-) Land $5,600 Building $47,650 | |
| 2023 | $1,894.00 Homeowner's exemption | $53,250 Land $5,600 Building $47,650 | |
| 2022 | $152,130 Land $16,000 Building $136,130 |
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.
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 (1982) |
| Most Recent Claim | Apr 1982 · tidal / storm surge |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 591 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 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| 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, MetaLINK Technologies.
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