3107 Bay Tree Dr, Findlay, OH 45840 Property Records

Hancock County property record for 3107 Bay Tree Dr, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 3,540 sqft · built 2001
Lot Size	0.47 acres (20,482 sqft)
Owner	Individual Name on File
Last Sale	$630,000 (Nov 2023)
Tax Bill	$8,172 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Jan 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1010-022-03-020.000`

Property Details

APN / Parcel Number

Primary APN	`1010-022-03-020.000`
Alternative APN	`280001027908`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	11 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	3,540 sqft Living Area
1st Floor Area	3,270 sqft
Upper Floors Area	1,064 sqft
Basement Area	2,312 sqft
Finished Basement	2,312 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	20,482 sqft (0.47 acres)
Lot Dimensions	160 ft deep x 20 ft wide
Garage Type	Attached
Garage Area	1,064 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	178 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3107 BAY TREE DR
City	FINDLAY
State	OH
Zip	45840-7955
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIFERD ACRES LOT 4 & N PT LOT 5 PT LOT A
Legal Subdivision	SIFERD ACRES
Legal Lot Number	4,5,A
Jurisdiction	HANCOCK OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1035
Census Tract	400

Owner

3107 Bay Tree Dr is owned and occupied by an individual who bought it in November 2023.

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

Owner of Record	Individual Name on File
Mailing Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955
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
Nov 22, 2023	Survivorship Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Jan 20, 2023	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Sep 11, 2020	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Nov 4, 2020	Deed of Trust, Mortgage · Line of Credit PREMIER BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2023 · Amount on File
Deed Sale	Nov 22, 2023 · Amount on File
Prior Sale	Aug 18, 2011 · Amount on File
Deed Document Number	20237789
Deed Book / Page	2607 / 1658
Record Updated	Sep 20, 2026

November 2023: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Nov 22, 2023
Property Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955
Document Number	02607/1658
Book / Page	2607 / 1658
Map Reference	MB 16 PG 46
Instrument Date	Nov 16, 2023
Instrument	202300007789
Transaction Type	Transfer
Record Updated	Nov 29, 2023
Title Company	GOLDEN KEY TITLE AGENCY

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 Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955

Mortgage

Document Number	202300007791
Date	Nov 22, 2023
Instrument	202300007791

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2053

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955

Mortgage

Document Number	02600/2909
Date	Jan 20, 2023
Book Page	2600/2909
Instrument	202300000363

Lender

Name	PREMIER BANK
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jan 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	MID AM TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2572/5443
Date	Sep 11, 2020
Book Page	2572/5443
Instrument	202000009054

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Oct 1, 2035

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3107 BAY TREE DR, FINDLAY, OH 45840-7955
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2574/5796
Date	Nov 4, 2020
Book Page	2574/5796
Instrument	202000011246

Lender

Name	PREMIER BANK
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	239 Months
Due	Oct 28, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 3107 Bay Tree Dr was $8,172 with a homeowner's exemption.

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	$8,172.00	$230,290 Land $30,980 Building $199,310	$657,980 Land $88,510 Building $569,470
2023	$6,363.00 (+0.98%) Homeowner's exemption	$175,290 (-) Land $25,820 Building $149,470
2022	$6,301.00 Homeowner's exemption	$175,290 Land $25,820 Building $149,470	$500,830 Land $73,760 Building $427,070

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 3107 Bay Tree Dr in Zone X, an area of minimal flood risk.

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

Wildfire risk around 3107 Bay Tree Dr 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 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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