320 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 320 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,578 sqft · built 1960
Lot Size	0.459 acres (19,998 sqft)
Owner	Company Name on Record
Last Sale	$68,340 (Jan 2013)
Tax Bill	$1,806 (2025)
Deeds & Mortgages	Nov 2022 Sale Sep 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`1011-302-03-026.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-03-026.000`
Alternative APN	`590001008294`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,578 sqft Living Area
1st Floor Area	1,578 sqft
Basement Area	1,578 sqft
Finished Basement	394 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,998 sqft (0.459 acres)
Lot Dimensions	200 ft deep x 100 ft wide
Garage Type	Attached
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	706 sqft
Patio Area	706 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	320 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK ADD LOT 4526-4527 & PT ALY
Legal Subdivision	PARK ADD
Legal Lot Number	4526
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1017
Census Tract	1100

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	208 TOWNSHIP ROAD 14, VAN BUREN, OH 45889-9621
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Warranty Deed, Transfer
Sep 22, 2022	Deed of Trust, Mortgage · Line of Credit IMPACT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2013 · Amount on Record
Deed Sale	Jan 24, 2013 · Amount on Record
Prior Sale	Sep 15, 2000 · Amount on Record
Deed Document Number	2013885
Deed Book / Page	2434 / 2085
Record Updated	Sep 20, 2026

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Nov 30, 2022
Property Address	320 E PEARL ST, FINDLAY, OH 45840-5218
Document Number	02599/2708
Book / Page	2599 / 2708
Instrument Date	Nov 22, 2022
Instrument	202200010381
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 TOWNSHIP ROAD 14, VAN BUREN, OH 45889-9621
Investor	Possibly a Property Investor

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	320 E PEARL ST, FINDLAY, OH 45840-5218
Transaction Type	Mortgage
Record Updated	Sep 30, 2022
Title Company	HAMMER TITLE SERVICES LTD

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	208 ALLEN TOWNSHIP RD #14 14, 14, VAN BUREN, OH 45889

Mortgage

Document Number	002598/243
Date	Sep 22, 2022
Book Page	2598/243
Instrument	202200008705

Lender

Name	IMPACT CREDIT UNION INC
Type	Credit Union
Address	CLYDE, OH 43410

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 17, 2037

Interest

Rate Type	Adjustable Rate

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	$1,806.00 (+3.38%)	$57,430 (+20.02%) Land $6,740 Building $50,690	$164,100 (+20.03%) Land $19,270 Building $144,830
2023	$1,747.00	$47,850 Land $5,620 Building $42,230
2022			$136,720 Land $16,060 Building $120,660

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 Claims	1 (1981)
Most Recent Claim	Jun 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	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 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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