Hancock County property record for 401 Locust St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,792 sqft · built 1924 |
| Lot Size | 0.144 acres (6,273 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $61,000 (Aug 1992) |
| Tax Bill | $1,851 (2025) |
| Deeds & Mortgages | May 2021 Line of Credit Apr 2021 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-244-08-023.000 |
| Primary APN | 1010-244-08-023.000 |
|---|---|
| Alternative APN |
|
| 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 | 1,792 sqft Living Area |
| 1st Floor Area | 896 sqft |
| 2nd Floor Area | 896 sqft |
| Basement Area | 896 sqft |
| Finished Basement | 896 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 1924 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Shingle |
| Lot Area | 6,273 sqft (0.144 acres) |
| Lot Dimensions | 123 ft deep x 51 ft wide |
| Garage Area | 600 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 290 sqft |
| Patio Area | 240 sqft |
| Balcony Area | 6 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 401 LOCUST ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-2233 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRYAN & MOORHEAD ADD LOT 16794-97 PTS 51X123 |
| Legal Subdivision | BRYAN & MOORHEAD ADD |
| Legal Lot Number | 16794 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 4 |
| Census Block | 4002 |
| Census Tract | 1000 |
Source: Hancock County records, as of May 29, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 401 LOCUST ST, FINDLAY, OH 45840-2233 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 14, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Apr 9, 2021 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Jul 12, 2018 | Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 28, 1992 · Amount on Record |
| Deed Sale | Aug 28, 1992 · Amount on Record |
| Prior Sale | Nov 1, 1985 · Amount on Record |
| Last Transfer Date | Mar 21, 2005 |
| Transfer Doc | 02260/2059 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 401 LOCUST ST, FINDLAY, OH 45840-2233 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2582/98 |
|---|---|
| Date | May 14, 2021 |
| Book Page | 2582/98 |
| Instrument | 202100005650 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 21, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 401 LOCUST ST, FINDLAY, OH 45840-2233 |
| Transaction Type | Mortgage |
| Record Updated | Apr 26, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2580/4200 |
|---|---|
| Date | Apr 9, 2021 |
| Book Page | 2580/4200 |
| Instrument | 202100004119 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 401 LOCUST ST, FINDLAY, OH 45840-2233 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | AMERICAN TITLE COMPANY, AMERICAN TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 2541/1787 |
|---|---|
| Date | Jul 12, 2018 |
| Book Page | 2541/1787 |
| Instrument | 201800005675 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 20, 2048 |
Source: Hancock County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,851.00 (+9.53%) Homeowner's exemption | $60,360 (+26.89%) Land $7,910 Building $52,450 | $172,480 (+26.92%) Land $22,610 Building $149,870 |
| 2024 | $1,690.00 (-0.18%) | $47,570 (-) Land $6,230 Building $41,340 | |
| 2023 | $1,693.00 Homeowner's exemption | $47,570 Land $6,230 Building $41,340 | |
| 2022 | $135,900 Land $17,800 Building $118,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 2, 2011
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 591 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 |
| Watch TV Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| 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, MetaLINK Technologies.
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