232 W Lima St, Findlay, OH 45840 Property Records

Hancock County property record for 232 W Lima St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,276 sqft · built 1880
Lot Size	0.052 acres (2,278 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Sep 2026)
Tax Bill	$1,507 (2025)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jan 2007 Second Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`1010-241-10-013.000`

Property Details

APN / Parcel Number

Primary APN	`1010-241-10-013.000`
Alternative APN	`600000319790`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,276 sqft Living Area
1st Floor Area	736 sqft
2nd Floor Area	540 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1880
Effective Year Built	Effective 1979
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	2,278 sqft (0.052 acres)
Lot Dimensions	69 ft deep x 33 ft wide
Porch	Slab
Porch Area	90 sqft
Patio Area	120 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	232 W LIMA ST
City	FINDLAY
State	OH
Zip	45840-3034
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VANCE & CORYS ADD LOT 310 SW PT 331/3X69
Legal Subdivision	VANCE & CORYS ADD
Legal Lot Number	310
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3021
Census Tract	902

Owner

232 W Lima St is owned and occupied by an individual who bought it in September 2026.

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

Owner of Record	Individual Name on File
Mailing Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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 18, 2026	Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK
Jan 24, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA ND
Jan 11, 2007	Deed of Trust, Mortgage FIFTH THIRD MORTGAGE CO
Jan 17, 2025	Deed of Trust, Mortgage · Commercial Mortgage MILLSTREAM AREA CU INC
Aug 24, 2021	Warranty Deed, Transfer · Conventional Mortgage MILLSTREAM AREA CU INC
Apr 26, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Feb 27, 2017	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Feb 27, 2017	Warranty Deed, Transfer · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
Sep 19, 2007	Intrafamily Transfer, Transfer · ARM US BANK NA ND

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 18, 2026 · Amount on File
Deed Sale	Sep 18, 2026 · Amount on File
Prior Sale	Aug 24, 2021 · Amount on File
Deed Document Number	20267092
Deed Book / Page	2632 / 5139
Prior Transfer Date	Sep 6, 2007
Prior Transfer Doc	002326/964
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 18, 2026
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	0000007092
Book / Page	2632 / 5139
Instrument Date	Sep 14, 2026
Instrument	20267092
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	ASSURE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$57,570.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	0000007093,
Date	Sep 18, 2026
Instrument	20267093

Lender

Name	JPMORGAN CHASE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	GOLDEN KEY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02311/2066
Date	Jan 24, 2007
Book Page	2311/2066
Instrument	200700000855

Lender

Name	US BANK NA ND
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jan 22, 2022

January 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	GOLDEN KEY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0002311/99
Date	Jan 11, 2007
Book Page	2311/99
Instrument	200700000340

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2037

January 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02616/1176
Date	Jan 17, 2025
Book Page	2616/1176
Instrument	202500000307

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union
Address	1007 WESTERN AVE, FINDLAY, OH 45840

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	121 Months
Due	Feb 15, 2035

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 24, 2021
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	02585/5819
Book / Page	2585 / 5819
Instrument Date	Aug 20, 2021
Instrument	202100009926
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount on Record
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	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	202100009927
Date	Aug 24, 2021
Instrument	202100009927

Lender

Name	MILLSTREAM AREA CU INC
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 26, 2018
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	02537/0472
Book / Page	2537 / 0472
Instrument Date	Apr 18, 2018
Instrument	201800003206
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transaction

Amount	Amount on Record
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	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	201800003207
Date	Apr 26, 2018
Instrument	201800003207

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2048

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Feb 27, 2017
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	02514/2479
Book / Page	2514 / 2479
Instrument Date	Feb 24, 2017
Instrument	201700001725
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	201700001726
Date	Feb 27, 2017
Instrument	201700001726

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Feb 27, 2017
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	02514/2479
Book / Page	2514 / 2479
Instrument Date	Feb 24, 2017
Instrument	201700001725
Transaction Type	Transfer
Record Updated	Apr 28, 2025
Title Company	WHITMAN TITLE SECURITY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Notice of Foreclosure Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	201700001726
Date	Feb 27, 2017
Instrument	201700001726

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

Mortgage

Document Number	02514/2499
Date	Feb 27, 2017
Book Page	2514/2499
Instrument	201700001727

Lender

Name	OHIO HOUSING FINANCE AGENCY
Type	Government Agency

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

September 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Sep 19, 2007
Property Address	232 W LIMA ST, FINDLAY, OH 45840-3034
Document Number	002326/964
Book / Page	2326 / 964
Instrument Date	Sep 6, 2007
Instrument	200700010712
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	GOLDEN KEY TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	232 W LIMA ST, FINDLAY, OH 45840-3034

Mortgage

Document Number	200700010713
Date	Sep 19, 2007
Instrument	200700010713

Lender

Name	US BANK NA ND
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	7.3%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Min Rate At Change	7.3%
Max Rate At Change	9.3%
Index	1-Year LIBOR
Max Rate	13.3%

Tax Assessment & Valuation

The 2025 property tax bill for 232 W Lima St was $1,507 with a homeowner's exemption, up 7% from the year before.

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	$1,507.00 (+7.03%) Homeowner's exemption	$49,180 (+24.07%) Land $3,350 Building $45,830	$140,490 Land $9,560 Building $130,930
2024	$1,408.00 (-0.14%)	$39,640 (-) Land $2,390 Building $37,250
2023	$1,410.00 Homeowner's exemption	$39,640 Land $2,390 Building $37,250
2022			$113,270 Land $6,830 Building $106,440

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

FEMA maps place 232 W Lima St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2007.

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 File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes

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

The area around 232 W Lima St has no burnable land within ember reach, so its wildfire risk is not rated.

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.

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 485 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
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, MetaLINK Technologies.

Nearby Properties on W Lima St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures