2432 S Main St, Findlay, OH 45840 Property Records

Hancock County property record for 2432 S Main St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,462 sqft · built 1971
Lot Size	0.514 acres (22,399 sqft)
Owner	Individual Name on File
Last Sale	$251,000 (Aug 2018)
Tax Bill	$3,209 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-254-10-018.000`

Property Details

APN / Parcel Number

Primary APN	`1010-254-10-018.000`
Alternative APN	`590000269890`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	2,462 sqft Living Area
1st Floor Area	2,462 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	22,399 sqft (0.514 acres)
Lot Dimensions	160 ft deep x 140 ft wide
Garage Type	Attached
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Patio Area	72 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	2432 S MAIN ST
City	FINDLAY
State	OH
Zip	45840-1126
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD ORCHARD ADD LOT 46 & S10FT LOT 47
Legal Subdivision	OLD ORCHARD ADD
Legal Lot Number	46,47
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	5
Census Block	5007
Census Tract	1000

Owner

2432 S Main St is owned and occupied by an individual who acquired it in April 2025.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	2432 S MAIN ST, FINDLAY, OH 45840-1126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Aug 27, 2018	Fiduciary Deed, Transfer · Conventional Mortgage PNC BANK NA
Jul 19, 2017	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 27, 2018 · Amount on File
Deed Sale	Aug 27, 2018 · Amount on File
Prior Sale	Oct 23, 2008 · Amount on File
Deed Document Number	20187146
Deed Book / Page	2544 / 423
Last Transfer Date	Apr 15, 2025
Transfer Doc	0000002474
Record Updated	Sep 20, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	2432 S MAIN ST, FINDLAY, OH 45840-1126
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	FLAG CITY TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2580/2823
Date	Apr 2, 2021
Book Page	2580/2823
Instrument	202100003872

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

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

August 2018: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 27, 2018
Property Address	2432 S MAIN ST, FINDLAY, OH 45840-1126
Document Number	2544/0423
Book / Page	2544 / 0423
Instrument Date	Aug 21, 2018
Instrument	201800007146
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	FLAG CITY TITLE

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
Relationship	Right of Survivorship
Address	2432 S MAIN ST, FINDLAY, OH 45840-1126

Mortgage

Document Number	201800007147
Date	Aug 27, 2018
Instrument	201800007147

Lender

Name	PNC BANK NA
Type	Bank

Agreement

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

July 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Jul 19, 2017
Property Address	2432 S MAIN ST, FINDLAY, OH 45840-1126
Document Number	2522/2311
Book / Page	2522 / 2311
Instrument Date	Jul 11, 2017
Instrument	201700006203
Transaction Type	Transfer
Record Updated	Jun 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	2432 S MAIN ST, FINDLAY, OH 45840-1126
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 2432 S Main St was $3,209 with exemptions applied, up 12% 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	$3,209.00 (+12.05%) Homeowner's exemption Senior Citizen's exemption	$114,840 (+26.98%) Land $19,920 Building $94,920	$328,120 Land $56,920 Building $271,200
2024	$2,864.00 (-0.93%)	$90,440 (-) Land $15,690 Building $74,750
2023	$2,891.00 Homeowner's exemption Senior Citizen's exemption	$90,440 Land $15,690 Building $74,750
2022			$258,380 Land $44,820 Building $213,560

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 2432 S Main St in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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 Policies	1 in force
Nearby Flood Claims	5 (1981–2019)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 2019 · 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

Wildfire risk around 2432 S Main St is low, with less than a 0.01% annual chance of 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
HDER Link Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50

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