315 E McPherson Ave, Findlay, OH 45840 Property Records

Hancock County property record for 315 E McPherson Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,118 sqft · built 1940
Lot Size	0.58 acres (25,274 sqft)
Owner	Individual Name on Record
Last Sale	$235,000 (Sep 2019)
Tax Bill	$3,326 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1011-193-21-002.000`

Property Details

APN / Parcel Number

Primary APN	`1011-193-21-002.000`
Alternative APN	`600001008320`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	2 Stories
Building Area	2,118 sqft Living Area
1st Floor Area	1,242 sqft
2nd Floor Area	876 sqft
Basement Area	729 sqft
Finished Basement	729 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1978
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	25,274 sqft (0.58 acres)
Lot Dimensions	234 ft deep x 108 ft wide
Garage Area	500 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	248 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	315 E MCPHERSON AVE
City	FINDLAY
State	OH
Zip	45840-5129
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SOUTH PARK ADD LOTS 17534-17535 & PT ALYS
Legal Subdivision	SOUTH PARK ADD
Legal Lot Number	17534
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	5
Census Block	5011
Census Tract	800

Owner

Source: Hancock County records, as of August 18, 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	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2026	Deed of Trust, Mortgage · Line of Credit WESBANCO BANK INC
Nov 20, 2023	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Aug 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage PREMIER BANK
Sep 11, 2019	Survivorship Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Jun 7, 2010 · Amount on Record
Deed Document Number	20197777
Deed Book / Page	2561 / 1438
Record Updated	Sep 20, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	Aug 10, 2026
Property Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129
Document Number	0000006018
Book / Page	2631 / 4936
Instrument Date	Aug 4, 2026
Instrument	20266018
Transaction Type	Mortgage
Record Updated	Aug 18, 2026
Title Company	WESBANCO TITLE AGENCY LLC, WESBANCO TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129

Mortgage

Document Number	0000006018,
Date	Aug 10, 2026
Book Page	2631/4936
Instrument	20266018

Lender

Name	WESBANCO BANK INC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 4, 2051

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129
Transaction Type	Mortgage
Record Updated	Nov 28, 2023
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129

Mortgage

Document Number	02607/1267
Date	Nov 20, 2023
Book Page	2607/1267
Instrument	202300007715

Lender

Name	PREMIER BANK
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Nov 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02585/5277
Date	Aug 20, 2021
Book Page	2585/5277
Instrument	202100009823

Lender

Name	PREMIER BANK
Type	Bank
Address	YOUNGSTOWN, OH 44503

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2041

September 2019: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 11, 2019
Property Address	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129
Document Number	02561/1438
Book / Page	2561 / 1438
Instrument Date	Sep 6, 2019
Instrument	201900007777
Transaction Type	Transfer
Record Updated	Jun 27, 2022

Transaction

Amount	Amount Recorded
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	315 E MCPHERSON AVE, FINDLAY, OH 45840-5129

Mortgage

Document Number	201900007778
Date	Sep 11, 2019
Instrument	201900007778

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

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	$3,326.00 (+11.09%)	$108,500 (+28.94%) Land $25,490 Building $83,010	$310,000 (+28.94%) Land $72,830 Building $237,170
2023	$2,994.00 Homeowner's exemption	$84,150 Land $19,760 Building $64,390
2022			$240,420 Land $56,460 Building $183,960

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	1 in force
Nearby Flood Claims	2 (1981)
Most Recent Claim	Aug 1981 · rainfall accumulation

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	Direct burnable vegetation

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 393 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 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
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, Buckeye Cablesystem, Watch TV.

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