234 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 234 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,370 sqft · built 1953
Lot Size	0.344 acres (15,002 sqft)
Owner	Individual Name on Record
Last Sale	$184,000 (Oct 2020)
Tax Bill	$2,188 (2025)
Deeds & Mortgages	Oct 2020 Sale & Mortgage Sep 2014 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`1011-302-07-016.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-07-016.000`
Alternative APN	`570000205000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	2,370 sqft Living Area
1st Floor Area	1,512 sqft
Upper Floors Area	858 sqft
Basement Area	442 sqft
Unfinished Basement	442 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
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	588 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	60 sqft
Deck Area	348 sqft
Patio Area	348 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	234 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 4277-4278 E1/2
Legal Subdivision	EAST HIGHLAND ADD
Legal Lot Number	4277
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	Individual Name on Record
Mailing Address	234 E PEARL ST, FINDLAY, OH 45840-5216
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 5, 2020	Warranty Deed, Transfer · FHA Mortgage UNION HOME MORTGAGE CORP
Sep 26, 2014	Trustee's Deed, Foreclosure · Conventional Mortgage HANCOCK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2020 · Amount on Record
Deed Sale	Oct 5, 2020 · Amount on Record
Prior Sale	Sep 26, 2014 · Amount on Record
Deed Document Number	202010051
Deed Book / Page	2573 / 4907
Record Updated	Sep 20, 2026

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 5, 2020
Property Address	234 E PEARL ST, FINDLAY, OH 45840-5216
Document Number	02573/4907
Book / Page	2573 / 4907
Instrument Date	Sep 30, 2020
Instrument	202000010051
Transaction Type	Transfer
Record Updated	Apr 25, 2022

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	234 E PEARL ST, FINDLAY, OH 45840-5216

Mortgage

Document Number	202000010052
Date	Oct 5, 2020
Instrument	202000010052

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

September 2014: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 26, 2014
Property Address	234 E PEARL ST, FINDLAY, OH 45840-5216
Document Number	02468/0107
Book / Page	2468 / 0107
Instrument Date	Sep 17, 2014
Instrument	201400008021
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026
Title Company	MID AMERICA TITLE AGENCY INC, MID AMERICAN TITLE AGENCY IN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	234 E PEARL ST, FINDLAY, OH 45840-5216

Mortgage

Document Number	201400008023
Date	Sep 26, 2014
Instrument	201400008023

Lender

Name	HANCOCK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2044

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	$2,188.00 (+12.84%)	$71,390 (+30.99%) Land $11,660 Building $59,730	$203,980 (+31%) Land $33,310 Building $170,670
2023	$1,939.00 Homeowner's exemption	$54,500 Land $8,900 Building $45,600
2022			$155,710 Land $25,430 Building $130,280

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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