3101 Bay Tree Dr, Findlay, OH 45840 Property Records

Hancock County property record for 3101 Bay Tree Dr, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,307 sqft · built 1998
Lot Size	0.54 acres (23,531 sqft)
Owner	Individual Name on Record
Tax Bill	$5,302 (2025)
Deeds & Mortgages	Dec 2021 Transfer Jun 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1010-022-03-021.000`

Property Details

APN / Parcel Number

Primary APN	`1010-022-03-021.000`
Alternative APN	`280001027907`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,307 sqft Living Area
1st Floor Area	2,307 sqft
Basement Area	1,076 sqft
Finished Basement	930 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	23,531 sqft (0.54 acres)
Lot Dimensions	159 ft deep x 148 ft wide
Garage Type	Attached
Garage Area	794 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	125 sqft
Patio Area	597 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3101 BAY TREE DR
City	FINDLAY
State	OH
Zip	45840-7955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIFERD ACRES LOT 5 EX N PT
Legal Subdivision	SIFERD ACRES
Legal Lot Number	5
Jurisdiction	HANCOCK OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1035
Census Tract	400

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	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2021	Transfer on Death Deed, Transfer
Jun 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Oct 15, 2018	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Sep 6, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Mar 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST
Jan 17, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Dec 10, 2001
Transfer Doc	0000014805
Record Updated	Sep 20, 2026

December 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 28, 2021
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Document Number	02590/2814
Book / Page	2590 / 2814
Instrument Date	Dec 10, 2021
Instrument	202100014806
Transaction Type	Transfer
Record Updated	Jan 12, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Jun 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2583/1392
Date	Jun 14, 2021
Book Page	2583/1392
Instrument	202100006980

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Jul 1, 2031

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GOLDEN KEY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2546/2151
Date	Oct 15, 2018
Book Page	2546/2151
Instrument	201800008614

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ASSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2544/2011
Date	Sep 6, 2018
Book Page	2544/2011
Instrument	201800007479

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEGACY PK TITLE LLC, LEGACY TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2566/2604
Date	Mar 16, 2020
Book Page	2566/2604
Instrument	202000002290

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Apr 1, 2040

January 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3101 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2551/0525
Date	Jan 17, 2019
Book Page	2551/0525
Instrument	201900000406

Lender

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

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hancock County
County Subdivision	Liberty Township
Unified School District	Liberty-Benton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,302.00 (+7.59%)	$149,440 (+10.06%) Land $23,300 Building $126,140	$426,960 (+10.05%) Land $66,570 Building $360,390
2023	$4,928.00 Homeowner's exemption	$135,780 Land $21,180 Building $114,600
2022			$387,960 Land $60,520 Building $327,440

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 Policies	3 in force

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 168 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 / 50
Watch TV Fixed Wireless	400 / 40
HDER Link Fixed Wireless	100 / 100
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: MetaLINK Technologies, Verizon.

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