Hancock County property record for 404 Locust St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,500 sqft · built 1936 |
| Lot Size | 0.11 acres (4,800 sqft) |
| Owner | Individual Name on File |
| Last Sale | $163,000 (Mar 2021) |
| Tax Bill | $1,815 (2025) |
| Deeds & Mortgages | Mar 2021 Sale & Mortgage Mar 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-244-03-015.000 |
| Primary APN | 1010-244-03-015.000 |
|---|---|
| Alternative APN |
|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 2 Stories |
| Building Area | 1,500 sqft Living Area |
| 1st Floor Area | 750 sqft |
| 2nd Floor Area | 750 sqft |
| Basement Area | 750 sqft |
| Unfinished Basement | 750 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1936 |
|---|---|
| Effective Year Built | Effective 1936 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 4,800 sqft (0.11 acres) |
| Lot Dimensions | 96 ft deep x 50 ft wide |
| Garage Area | 252 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 124 sqft |
| Deck Area | 18 sqft |
| Patio Area | 18 sqft |
| Balcony Area | 20 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 404 LOCUST ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-2234 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BRYAN & MOORHEAD ADD LOT 16791 S16 PT E PT LOT 16792-16793 E50 |
| Legal Subdivision | BRYAN & MOORHEAD ADD |
| Legal Lot Number | 16791 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 1000 |
404 Locust St is owned and occupied by an individual who bought it in March 2021.
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 File |
|---|---|
| Mailing Address | 404 LOCUST ST, FINDLAY, OH 45840-2234 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 1, 2021 | Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 22, 2018 | Survivorship Deed, Transfer · FHA Mortgage QUICKEN LOANS INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 1, 2021 · Amount on File |
| Deed Sale | Mar 1, 2021 · Amount on File |
| Prior Sale | Mar 22, 2018 · Amount on File |
| Deed Document Number | 20212378 |
| Deed Book / Page | 2579 / 1186 |
| Prior Transfer Date | Sep 30, 2004 |
| Prior Transfer Doc | 0000016023 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Mar 1, 2021 |
| Property Address | 404 LOCUST ST, FINDLAY, OH 45840-2234 |
| Document Number | 02579/1186 |
| Book / Page | 2579 / 1186 |
| Instrument Date | Feb 26, 2021 |
| Instrument | 202100002378 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2022 |
| Title Company | FLAG CITY TITLE AGENCY INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 404 LOCUST ST, FINDLAY, OH 45840-2234 |
| Document Number | 202100002379 |
|---|---|
| Date | Mar 1, 2021 |
| Instrument | 202100002379 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 1, 2051 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Mar 22, 2018 |
| Property Address | 404 LOCUST ST, FINDLAY, OH 45840-2234 |
| Document Number | 02235/0474 |
| Book / Page | 2235 / 0474 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 201800002100 |
| Transaction Type | Transfer |
| Record Updated | Jun 27, 2022 |
| Title Company | NOT AVAILABLE, WHITMAN TITLE SERVICES |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 404 LOCUST ST, FINDLAY, OH 45840-2234 |
| Document Number | 201800002101 |
|---|---|
| Date | Mar 22, 2018 |
| Instrument | 201800002101 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2048 |
The 2025 property tax bill for 404 Locust St was $1,815 with a homeowner's exemption.
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 | $1,815.00 | $59,220 Land $6,820 Building $52,400 | $169,210 Land $19,490 Building $149,720 |
| 2023 | $1,659.00 Homeowner's exemption | $46,640 Land $5,370 Building $41,270 | |
| 2022 | $133,250 Land $15,350 Building $117,900 |
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.
FEMA maps place 404 Locust St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.
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 (1982) |
| Most Recent Claim | Apr 1982 · tidal / storm surge |
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.
The area around 404 Locust St has no burnable land within ember reach, so its wildfire risk is not rated.
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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