409 Center St, Findlay, OH 45840 Property Records

Hancock County property record for 409 Center St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,065 sqft · built 1900
Lot Size	0.188 acres (8,198 sqft)
Owner	Individual Name on Record
Last Sale	$165,000 (Aug 2025)
Tax Bill	$1,486 (2025)
Deeds & Mortgages	Aug 2025 Sale & Mortgage May 2023 Sale & Line of Credit
Flood Zone	Zone AE (high risk)
APN	`1011-183-01-002.000`

Property Details

APN / Parcel Number

Primary APN	`1011-183-01-002.000`
Alternative APN	`570001001103`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,065 sqft Living Area
1st Floor Area	813 sqft
Basement Area	252 sqft
Unfinished Basement	252 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,198 sqft (0.188 acres)
Lot Dimensions	200 ft deep x 41 ft wide
Garage Type	Detached
Garage Area	231 sqft
Parking Spaces	1 Parking Space
Porch	Porch
Porch Area	362 sqft
Patio Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 CENTER ST
City	FINDLAY
State	OH
Zip	45840-5747
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FISHELL ADD LOT 10829 E4FT & LOT 10830 W37FT
Legal Subdivision	FISHELL ADD
Legal Lot Number	10829
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2013
Census Tract	800

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	409 CENTER ST, FINDLAY, OH 45840-5747
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2025	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 30, 2023	Warranty Deed, Transfer · Line of Credit GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on Record
Deed Sale	Aug 6, 2025 · Amount on Record
Prior Sale	May 30, 2023 · Amount on Record
Deed Document Number	20256733
Deed Book / Page	2621 / 3561
Record Updated	Sep 20, 2026

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 6, 2025
Property Address	409 CENTER ST, FINDLAY, OH 45840-5747
Document Number	02621/3561
Book / Page	2621 / 3561
Instrument Date	Jul 31, 2025
Instrument	202500006733
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	PM TITLE LLC

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CENTER ST, FINDLAY, OH 45840-5747

Mortgage

Document Number	202500006734
Date	Aug 6, 2025
Instrument	202500006734

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2055

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	May 30, 2023
Property Address	409 CENTER ST, FINDLAY, OH 45840-5747
Document Number	02603/1900
Book / Page	2603 / 1900
Instrument Date	May 12, 2023
Instrument	202300003479
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	ASSURED TITLE AGENCY/TIFFIN, ASSURED TITLE AGCY OF TIFFIN

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 CENTER ST, FINDLAY, OH 45840-5747

Mortgage

Document Number	202300003480
Date	May 30, 2023
Instrument	202300003480

Lender

Name	GUARANTEED RATE INC
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

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	$1,486.00 (+8.55%)	$48,450 (+25.98%) Land $5,360 Building $43,090	$138,400 (+25.97%) Land $15,300 Building $123,100
2023	$1,369.00 Homeowner's exemption	$38,460 Land $4,250 Building $34,210
2022			$109,870 Land $12,140 Building $97,730

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	230 (1981–2017)
Claims Outside the SFHA	11 of 230
Most Recent Claim	Jul 2017 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 110 claims

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	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.

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 269 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: MetaLINK Technologies.

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