235 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 235 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,469 sqft · built 1953
Lot Size	0.367 acres (16,000 sqft)
Owner	Individual Name on Record
Last Sale	$137,900 (Oct 2017)
Tax Bill	$2,087 (2025)
Deeds & Mortgages	Mar 2021 Mortgage Oct 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-302-10-003.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-10-003.000`
Alternative APN	`570000205310`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,469 sqft Living Area
1st Floor Area	1,469 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	16,000 sqft (0.367 acres)
Lot Dimensions	200 ft deep x 80 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	34 sqft
Patio Area	252 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	235 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5215
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	EAST HIGHLAND ADD LOT 4315 & W30 4316
Legal Subdivision	EAST HIGHLAND ADD
Legal Lot Number	4315
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1019
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	235 E PEARL ST, FINDLAY, OH 45840-5215
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE FIRST NATIONAL BANK OF PANDORA
Oct 25, 2017	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 25, 2017 · Amount on Record
Deed Sale	Oct 25, 2017 · Amount on Record
Prior Sale	Aug 12, 2014 · Amount on Record
Deed Document Number	20179158
Deed Book / Page	2528 / 292
Record Updated	Oct 29, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	235 E PEARL ST, FINDLAY, OH 45840-5215
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02579/5650
Date	Mar 19, 2021
Book Page	2579/5650
Instrument	202100003256

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank
Address	PANDORA, OH 45877

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2041

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 25, 2017
Property Address	235 E PEARL ST, FINDLAY, OH 45840-5215
Document Number	02528/0292
Book / Page	2528 / 0292
Instrument Date	Oct 24, 2017
Instrument	201700009158
Transaction Type	Transfer
Record Updated	Jun 27, 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
Address	235 E PEARL ST, FINDLAY, OH 45840-5215

Mortgage

Document Number	201700009159
Date	Oct 25, 2017
Instrument	201700009159

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2047

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	$2,087.00 (+12.87%)	$68,080 (+31%) Land $12,440 Building $55,640	$194,510 (+31%) Land $35,530 Building $158,980
2023	$1,849.00 Homeowner's exemption	$51,970 Land $9,490 Building $42,480
2022			$148,480 Land $27,120 Building $121,360

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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