406 E Pearl St, Findlay, OH 45840 Property Records

Hancock County property record for 406 E Pearl St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 925 sqft · built 1962
Lot Size	0.224 acres (9,749 sqft)
Owner	Individual Name on Record
Tax Bill	$797 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Dec 2025 Transfer
Flood Zone	Zone X (minimal risk)
APN	`1011-302-02-026.000`

Property Details

APN / Parcel Number

Primary APN	`1011-302-02-026.000`
Alternative APN	`590000272890`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	925 sqft Living Area
1st Floor Area	925 sqft
Flooring	Concrete/Cement
Interior Walls	Plaster

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,749 sqft (0.224 acres)
Lot Dimensions	150 ft deep x 65 ft wide

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	16 sqft
Patio Area	16 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 E PEARL ST
City	FINDLAY
State	OH
Zip	45840-5264
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PARK ADD LOT 4575-4577 MID 65FT
Legal Subdivision	PARK ADD
Legal Lot Number	4575
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1010
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	720 SCOTT CT, FINDLAY, OH 45840-5616
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Deed of Trust, Mortgage · Line of Credit MILLSTREAM AREA CREDIT UNION
Dec 15, 2025	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 18, 2025
Transfer Doc	02625/1331
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	Apr 3, 2026
Property Address	406 E PEARL ST, FINDLAY, OH 45840-5264
Document Number	0000002258
Book / Page	2627 / 5661
Instrument Date	Mar 26, 2026
Instrument	20262258
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ASSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 E PEARL ST, FINDLAY, OH 45840-5264

Mortgage

Document Number	0000002258,
Date	Apr 3, 2026
Book Page	2627/5661
Instrument	20262258

Lender

Name	MILLSTREAM AREA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 15, 2025
Property Address	406 E PEARL ST, FINDLAY, OH 45840-5264
Document Number	02625/1331
Book / Page	2625 / 1331
Instrument Date	Nov 18, 2025
Instrument	202500010308
Transaction Type	Transfer
Record Updated	Dec 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 SCOTT CT, FINDLAY, OH 45840-5616

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	$797.00 (+3.51%)	$26,020 (+20.02%) Land $5,380 Building $20,640	$74,350 (+2%) Land $15,370 Building $58,980
2024	$770.00 (-0.13%) Homeowner's exemption	$21,680 (-) Land $4,480 Building $17,200
2023	$771.00 Homeowner's exemption	$21,680 Land $4,480 Building $17,200
2022			$61,960 Land $12,810 Building $49,150

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 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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