304 Garfield Ave, Findlay, OH 45840 Property Records

Hancock County property record for 304 Garfield Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,096 sqft · built 1956
Lot Size	0.154 acres (6,700 sqft)
Owner	Individual Name on File
Last Sale	$159,500 (Jun 2026)
Tax Bill	$967 (2025)
Deeds & Mortgages	Jul 2010 Mortgage May 2015 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1011-073-11-017.000`

Property Details

APN / Parcel Number

Primary APN	`1011-073-11-017.000`
Alternative APN	`580000252400`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,096 sqft Living Area
1st Floor Area	1,096 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,700 sqft (0.154 acres)
Lot Dimensions	134 ft deep x 50 ft wide
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Deck Area	168 sqft
Patio Area	168 sqft
Canopy	25 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	304 GARFIELD AVE
City	FINDLAY
State	OH
Zip	45840-4632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MILLS ADD LOT 2686
Legal Subdivision	MILLS ADD
Legal Lot Number	2686
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	5
Census Block	5007
Census Tract	500

Owner

304 Garfield Ave is owned and occupied by an individual who bought it in June 2026.

Source: Hancock County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 19, 2010	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
May 15, 2015	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Apr 3, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage US BANK NA ND
Jun 18, 2026	Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORPORATION
Jun 18, 2026	Warranty Deed, Transfer · Conventional Mortgage FINANCIAL CORPORATION
Aug 2, 2021	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2026 · Amount on File
Deed Sale	Jun 18, 2026 · Amount on File
Prior Sale	Aug 2, 2021 · Amount on File
Deed Document Number	20264529
Deed Book / Page	2630 / 1596
Record Updated	Oct 29, 2026

July 2010: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002381/742
Date	Jul 19, 2010
Book Page	2381/742
Instrument	201000006556

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2040

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	FLAG CITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02479/0975
Date	May 15, 2015
Book Page	2479/0975
Instrument	201500003874

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2030

April 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Transaction Type	Mortgage
Record Updated	Jul 1, 2026
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02315/1758
Date	Apr 3, 2007
Book Page	2315/1758
Instrument	200700003396

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	Apr 2, 2022

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 18, 2026
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Document Number	0000004529
Book / Page	2630 / 1596
Instrument Date	Jun 15, 2026
Instrument	20264529
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	WHITMAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,328.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632

Mortgage

Document Number	0000004530,
Date	Jun 18, 2026
Instrument	20264530

Lender

Name	LEADER ONE FINANCIAL CORPORATION

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 18, 2026
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Document Number	02630/1596
Book / Page	2630 / 1596
Instrument Date	Jun 15, 2026
Instrument	20264529
Transaction Type	Transfer
Record Updated	Aug 26, 2026
Title Company	WHITMAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$48,328.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632

Mortgage

Document Number	0000004530,
Date	Jun 18, 2026
Instrument	20264530

Lender

Name	FINANCIAL CORPORATION

Agreement

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

Interest

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 2, 2021
Property Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632
Document Number	2585/882
Book / Page	2585 / 882
Instrument Date	Jul 28, 2021
Instrument	202100009033
Transaction Type	Transfer
Record Updated	Aug 17, 2021
Title Company	FLAG CITY TITLE AGENCY INC

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
Relationship	Right of Survivorship
Address	304 GARFIELD AVE, FINDLAY, OH 45840-4632

Mortgage

Document Number	202100009034
Date	Aug 2, 2021
Instrument	202100009034

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 304 Garfield Ave was $967 with a homeowner's exemption, down 6.3% 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	$967.00 (-6.3%) Homeowner's exemption	$31,560 (+8.57%) Land $4,290 Building $27,270	$90,180 Land $12,260 Building $77,920
2024	$1,032.00 (-0.19%)	$29,070 (-) Land $3,970 Building $25,100
2023	$1,034.00 Homeowner's exemption	$29,070 Land $3,970 Building $25,100
2022			$83,050 Land $11,350 Building $71,700

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 304 Garfield Ave in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1990.

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	6 (1990–2026)
Most Recent Claim	Apr 2026 · river or lake flooding

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 304 Garfield Ave 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 427 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 Fixed Wireless · DSL · Fiber in parts of the area	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies.

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