3119 Bay Tree Dr, Findlay, OH 45840 Property Records

Hancock County property record for 3119 Bay Tree Dr, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,108 sqft · built 1998
Lot Size	0.441 acres (19,201 sqft)
Owner	Company Name on Record
Last Sale	$500,000 (Jul 2021)
Tax Bill	$4,825 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Jun 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1010-022-03-018.000`

Property Details

APN / Parcel Number

Primary APN	`1010-022-03-018.000`
Alternative APN	`280001014739`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,108 sqft Living Area
1st Floor Area	1,676 sqft
2nd Floor Area	1,280 sqft
Basement Area	1,148 sqft
Finished Basement	574 sqft
Flooring	Brick
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,201 sqft (0.441 acres)
Lot Dimensions	160 ft deep x 120 ft wide
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	84 sqft
Patio Area	511 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	3119 BAY TREE DR
City	FINDLAY
State	OH
Zip	45840-7957
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SIFERD ACRES LOT 2
Legal Subdivision	SIFERD ACRES
Legal Lot Number	2
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	Company Name on Record
Mailing Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage HANCOCK FCU
Jun 28, 2023	Deed of Trust, Mortgage · Line of Credit HANCOCK FCU
Jan 11, 2018	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK OF THE MIDWEST
Jul 15, 2021	Warranty Deed, Transfer · Conventional Mortgage HANCOCK FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Deed Document Number	20218294
Deed Book / Page	2584 / 3139
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02589/4193
Date	Dec 6, 2021
Book Page	2589/4193
Instrument	202100013968

Lender

Name	HANCOCK FCU
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Aug 1, 2051

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957
Transaction Type	Mortgage
Record Updated	Jul 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957

Mortgage

Document Number	002604/258
Date	Jun 28, 2023
Book Page	2604/258
Instrument	202300004271

Lender

Name	HANCOCK FCU
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02531/2477
Date	Jan 11, 2018
Book Page	2531/2477
Instrument	201800000265

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	179 Months
Due	Dec 30, 2032

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 15, 2021
Property Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957
Document Number	02584/3139
Book / Page	2584 / 3139
Instrument Date	Jul 15, 2021
Instrument	202100008294
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	LEGACY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	3119 BAY TREE DR, FINDLAY, OH 45840-7957

Mortgage

Document Number	202100008295
Date	Jul 15, 2021
Instrument	202100008295

Lender

Name	HANCOCK FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2051

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	$4,825.00 (+7.53%)	$136,000 (+10.01%) Land $20,200 Building $115,800	$388,550 (+10.01%) Land $57,700 Building $330,850
2023	$4,487.00 Homeowner's exemption	$123,630 Land $18,360 Building $105,270
2022			$353,210 Land $52,450 Building $300,760

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

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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