305 W Front St, Findlay, OH 45840 Property Records

Hancock County property record for 305 W Front St, Findlay, OH 45840

Property Summary

Property Type	Commercial Vacant Land
Details	4 bd · 2 ba · 1,576 sqft · built 1900
Lot Size	0.23 acres (10,001 sqft)
Owner	Company Name on File
Last Sale	$53,800 (Oct 2017)
Tax Bill	$419 (2025)
Deeds & Mortgages	Jan 2023 Mortgage May 2018 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`1010-134-16-002.000`

Property Details

APN / Parcel Number

Primary APN	`1010-134-16-002.000`
Alternative APN	`560000170740`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	1,576 sqft Living Area
1st Floor Area	848 sqft
Basement Area	936 sqft
Unfinished Basement	936 sqft

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Porch	Porch
Porch Area	192 sqft
Patio Area	72 sqft

Utilities, Heating & Cooling

Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	305 W FRONT ST
City	FINDLAY
State	OH
Zip	45840-3411
Property Category	Commercial
Property Type	Vacant Land > Commercial
Legal Description	ADDITION THE LOT 501
Legal Subdivision	ADDITION THE
Legal Lot Number	501
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3007
Census Tract	902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Findlay Downtown Historic District listed 1985 · 263 contributing resources · NRIS 85000402

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

305 W Front St, commercial vacant land, is owned by a company that bought it in October 2017.

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

Owner of Record	Company Name on File
Mailing Address	9679 SMOKIES WAY, FINDLAY, OH 45840-2135
Owner Type	Company
Vesting	Company

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
Jan 31, 2023	Deed of Trust, Mortgage · Commercial Mortgage LUMENT REAL ESTATE CAPITAL LLC
May 4, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Aug 9, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Oct 5, 2017	Warranty Deed, Transfer WHITMAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2017 · Amount on File
Deed Sale	Oct 5, 2017 · Amount on File
Prior Sale	Feb 9, 1987 · Amount on File
Deed Document Number	20178627
Deed Book / Page	2527 / 386
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	305 W FRONT ST, FINDLAY, OH 45840-3411
Transaction Type	Mortgage
Record Updated	Feb 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02600/4035
Date	Jan 31, 2023
Book Page	2600/4035
Instrument	202300000604

Lender

Name	LUMENT REAL ESTATE CAPITAL LLC
Type	Non-Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	305 W FRONT ST, FINDLAY, OH 45840-3411
Transaction Type	Mortgage
Record Updated	Apr 25, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02537/2002
Date	May 4, 2018
Book Page	2537/2002
Instrument	201800003539

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	305 W FRONT ST, FINDLAY, OH 45840-3411
Transaction Type	Mortgage
Record Updated	Apr 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02560/1600
Date	Aug 9, 2019
Book Page	2560/1600
Instrument	201900006599

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 5, 2017
Property Address	305 W FRONT ST, FINDLAY, OH 45840-3411
Document Number	02527/0386
Book / Page	2527 / 0386
Instrument Date	Sep 29, 2017
Instrument	201700008627
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	WHITMAN TITLE

Transaction

Amount	Amount 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
Address	9679 SMOKIES WAY, FINDLAY, OH 45840-2135

Tax Assessment & Valuation

The 2025 property tax bill for 305 W Front St was $419.

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	$419.00	$7,740 Land $7,740	$22,100 Land $22,100
2023	$377.00	$6,720 Land $6,720
2022			$19,200 Land $19,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 305 W Front St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 16 policies
Nearby Flood Policies	16 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes

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 305 W Front St 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 485 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 DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies.

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