401 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 401 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,322 sqft · built 1960
Lot Size	0.161 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Apr 2021)
Tax Bill	$1,254 (2025)
Deeds & Mortgages	Apr 2021 Sale Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-302-16-007.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-16-007.000`
Alternative APN	`590000272920`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,322 sqft Living Area
1st Floor Area	1,322 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,000 sqft (0.161 acres)
Lot Dimensions	100 ft deep x 70 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	206 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	401 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5263
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK ADD LOT 4578-4579 W70FT
Legal Subdivision	PARK ADD
Legal Lot Number	4578
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1009
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	Individual Name on Record
Mailing Address	401 E PEARL ST, FINDLAY, OH 45840-5263
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2021	Fiduciary Deed, Transfer WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY
Sep 1, 2017	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 29, 2021 · Amount on Record
Deed Sale	Apr 29, 2021 · Amount on Record
Prior Sale	Sep 1, 2017 · Amount on Record
Deed Document Number	20215002
Deed Book / Page	2581 / 2795
Prior Transfer Date	Aug 15, 2012
Prior Transfer Doc	02424/1782
Record Updated	Sep 20, 2026

April 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 29, 2021
Property Address	401 E PEARL ST, FINDLAY, OH 45840-5263
Document Number	2581/2795
Book / Page	2581 / 2795
Instrument Date	Apr 27, 2021
Instrument	202100005002
Transaction Type	Transfer
Record Updated	May 14, 2021
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transaction

Amount	Amount Recorded
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	Joint Tenants with Right of Survivorship
Address	401 E PEARL ST, FINDLAY, OH 45840-5263

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 1, 2017
Property Address	401 E PEARL ST, FINDLAY, OH 45840-5263
Document Number	02525/0801
Book / Page	2525 / 0801
Instrument Date	Aug 29, 2017
Instrument	201700007577
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	NOT AVAILABLE, MID AM TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 E PEARL ST, FINDLAY, OH 45840-5263

Mortgage

Document Number	201700007578
Date	Sep 1, 2017
Instrument	201700007578

Lender

Name	FIFTH THIRD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

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	$1,254.00 (+3.81%) Homeowner's exemption	$40,910 (+20.22%) Land $4,700 Building $36,210	$116,890 (+20.22%) Land $13,440 Building $103,450
2024	$1,208.00 (-0.17%)	$34,030 (-) Land $3,920 Building $30,110
2023	$1,210.00 Homeowner's exemption	$34,030 Land $3,920 Building $30,110
2022			$97,230 Land $11,200 Building $86,030

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 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 206 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
HDER Link Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
AT&T Fixed Wireless · Fiber in parts of the area	100 / 20

May also be available: T-Mobile, Watch TV.

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