232 Waddle St, Findlay, OH 45840 Property Records

Hancock County property record for 232 Waddle St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,468 sqft · built 1988
Lot Size	0.211 acres (9,178 sqft)
Owner	Individual Name on File
Last Sale	$126,500 (Dec 2013)
Tax Bill	$2,600 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Sep 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-011-04-045.000`

Property Details

APN / Parcel Number

Primary APN	`1010-011-04-045.000`
Alternative APN	`580001004219`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,468 sqft Living Area
1st Floor Area	1,052 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	9,178 sqft (0.211 acres)
Lot Dimensions	137 ft deep x 67 ft wide
Garage Type	Attached
Garage Area	420 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	103 sqft
Deck Area	186 sqft
Patio Area	186 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	232 WADDLE ST
City	FINDLAY
State	OH
Zip	45840-4000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGH POINT SUB LOT 11
Legal Subdivision	HIGH POINT SUB
Legal Lot Number	11
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3003
Census Tract	400

Owner

Source: Hancock County assessment roll, 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 File
Mailing Address	232 WADDLE ST, FINDLAY, OH 45840-4000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2022	Deed of Trust, Mortgage · Line of Credit IMPACT CREDIT UNION INC
Sep 28, 2018	Deed of Trust, Mortgage · Line of Credit W MCPHERSON HIGHWAY CLYDE
Dec 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 31, 2013 · Amount on Record
Deed Sale	Dec 31, 2013 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	201313277
Deed Book / Page	2454 / 2527
Record Updated	Sep 20, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 WADDLE ST, FINDLAY, OH 45840-4000
Transaction Type	Mortgage
Record Updated	Sep 29, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02597/5908
Date	Sep 21, 2022
Book Page	2597/5908
Instrument	202200008649

Lender

Name	IMPACT CREDIT UNION INC
Type	Credit Union
Address	CLYDE, OH 43410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 20, 2037

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 WADDLE ST, FINDLAY, OH 45840-4000
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	MID-AMERICAN TITLE AGENCY INC, MID AMERICAN TITLE AGENCY IN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2545/2708
Date	Sep 28, 2018
Book Page	2545/2708
Instrument	201800008176

Lender

Name	W MCPHERSON HIGHWAY CLYDE
Type	Non-Lending Institution
Address	CLYDE, OH 43410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	181 Months
Due	Sep 30, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	232 WADDLE ST, FINDLAY, OH 45840-4000
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2575/5263
Date	Dec 2, 2020
Book Page	2575/5263
Instrument	202000012188

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

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	$2,600.00 (+17.17%)	$84,820 (+35.99%) Land $10,240 Building $74,580	$242,330 (+36%) Land $29,250 Building $213,080
2023	$2,219.00 Homeowner's exemption	$62,370 Land $7,530 Building $54,840
2022			$178,190 Land $21,510 Building $156,680

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

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 Holdings 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
Benton Ridge Telephone Company Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Amplex Electric, Defiance Holdings.

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