406 Orchard Ln, Findlay, OH 45840 Property Records

Hancock County property record for 406 Orchard Ln, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,275 sqft · built 1959
Lot Size	0.459 acres (19,998 sqft)
Owner	Individual Name on File
Last Sale	$245,133 (Jul 2022)
Tax Bill	$3,761 (2025)
Deeds & Mortgages	Aug 2023 Line of Credit Mar 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-254-09-023.000`

Property Details

APN / Parcel Number

Primary APN	`1010-254-09-023.000`
Alternative APN	`590000269740`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,275 sqft Living Area
1st Floor Area	2,360 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1992
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
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	600 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	412 sqft
Deck Area	898 sqft
Patio Area	898 sqft
Canopy	50 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	406 ORCHARD LN
City	FINDLAY
State	OH
Zip	45840-1136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	OLD ORCHARD ADD LOT 31
Legal Subdivision	OLD ORCHARD ADD
Legal Lot Number	31
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	5
Census Block	5006
Census Tract	1000

Owner

406 Orchard Ln is owned and occupied by an individual who acquired it in December 2022.

Source: Hancock County records, as of May 29, 2026

Owner of Record	Individual Name on File
Mailing Address	406 ORCHARD LN, FINDLAY, OH 45840-1136
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 11, 2023	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Mar 3, 2020	Transfer on Death Deed, Transfer
Aug 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2022 · Amount on File
Deed Sale	Jul 7, 2022 · Amount on File
Prior Sale	Jan 28, 1983 · Amount on File
Deed Document Number	20226279
Deed Book / Page	2595 / 5796
Last Transfer Date	Dec 28, 2022
Transfer Doc	0000000037
Record Updated	Sep 20, 2026

August 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	406 ORCHARD LN, FINDLAY, OH 45840-1136
Transaction Type	Mortgage
Record Updated	Aug 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 ORCHARD LN, FINDLAY, OH 45840-1136

Mortgage

Document Number	002605/364
Date	Aug 11, 2023
Book Page	2605/364
Instrument	202300005361

Lender

Name	PREMIER BANK
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Aug 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HANCOCK OH
Recording Date	Mar 3, 2020
Property Address	406 ORCHARD LN, FINDLAY, OH 45840-1136
Document Number	002566/407
Book / Page	2566 / 407
Instrument Date	Feb 28, 2020
Instrument	202000001852
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	406 ORCHARD LN, FINDLAY, OH 45840-1136
Transaction Type	Mortgage
Record Updated	Aug 17, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2542/1907
Date	Aug 1, 2018
Book Page	2542/1907
Instrument	201800006288

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 406 Orchard Ln was $3,761 with exemptions applied, up 11.6% from the year before.

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	$3,761.00 (+11.64%) Homeowner's exemption Senior Citizen's exemption	$132,750 (+26.94%) Land $17,910 Building $114,840	$379,300 Land $51,180 Building $328,120
2024	$3,369.00 (-0.82%)	$104,580 (-) Land $14,110 Building $90,470
2023	$3,397.00 Homeowner's exemption Senior Citizen's exemption	$104,580 Land $14,110 Building $90,470
2022			$298,790 Land $40,300 Building $258,490

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

FEMA maps place 406 Orchard Ln in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 1981.

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 Policies	1 in force
Nearby Flood Claims	5 (1981–2019)
Claims Outside the SFHA	2 of 5
Most Recent Claim	Jun 2019 · 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

Wildfire risk around 406 Orchard Ln is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 98% of the US · lower than 90% 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 300 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 50
HDER Link Fixed Wireless	500 / 500
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50

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