409 S Main St, Findlay, OH 45840 Property Records

Hancock County property record for 409 S Main St, Findlay, OH 45840

Property Summary

Property Type	Commercial
Details	2,540 sqft · built 1969
Lot Size	0.092 acres (3,999 sqft)
Owner	Company Name on File
Last Sale	$535,000 (Aug 2021)
Tax Bill	$6,651 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit Jul 2017 Line of Credit + 2 more
Flood Zone	Zone AE (high risk)
APN	`1011-183-14-008.000`

Property Details

APN / Parcel Number

Primary APN	`1011-183-14-008.000`
Alternative APN	`570000211040`

Interior

Plumbing Fixtures	15 Plumbing Fixtures
Stories	4 Stories
Building Area	2,540 sqft Living Area
1st Floor Area	600 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Elevator	Elevator

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick
Construction Type	Mixed
Roof Type	Shed Roof
Lot Area	3,999 sqft (0.092 acres)
Lot Dimensions	200 ft deep x 20 ft wide
Deck Area	460 sqft
Patio Area	540 sqft
Balcony Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	409 S MAIN ST
City	FINDLAY
State	OH
Zip	45840-3207
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	FINDLAY ADD LOT 94 S20FT
Legal Subdivision	FINDLAY ADD
Legal Lot Number	94
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1013
Census Tract	800

Owner

409 S Main St, a commercial property, is owned by a company that bought it in August 2021.

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

Owner of Record	Company Name on File
Mailing Address	409 S MAIN ST, FINDLAY, OH 45840-3207
Owner Type	Company
Vesting	Company

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
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit THE STATE BANK & TRUST CO
Jul 18, 2017	Deed of Trust, Mortgage · Line of Credit THE STATE BANK & TRUST CO
Aug 4, 2021	Warranty Deed, Transfer FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY
Jul 31, 2018	Warranty Deed, Transfer · Commercial Mortgage FIRST FEDERAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2021 · Amount on File
Deed Sale	Aug 4, 2021 · Amount on File
Prior Sale	Jul 31, 2018 · Amount on File
Deed Document Number	20219175
Deed Book / Page	2585 / 1764
Record Updated	Sep 20, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	409 S MAIN ST, FINDLAY, OH 45840-3207
Transaction Type	Mortgage
Record Updated	Apr 18, 2024
Title Company	FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02522/2088
Date	Jul 18, 2017
Book Page	2522/2088
Instrument	201700006153

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	409 S MAIN ST, FINDLAY, OH 45840-3207
Transaction Type	Mortgage
Record Updated	Apr 18, 2024
Title Company	FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02522/2112
Date	Jul 18, 2017
Book Page	2522/2112
Instrument	201700006155

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 4, 2021
Property Address	409 S MAIN ST, FINDLAY, OH 45840-3207
Document Number	02585/1764
Book / Page	2585 / 1764
Instrument Date	Aug 3, 2021
Instrument	202100009175
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY

Transaction

Amount	Amount 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 S MAIN ST, FINDLAY, OH 45840-3207

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 31, 2018
Property Address	409 S MAIN ST, FINDLAY, OH 45840-3207
Document Number	02542/1789
Book / Page	2542 / 1789
Instrument Date	Jul 27, 2018
Instrument	201800006260
Transaction Type	Transfer
Record Updated	Apr 18, 2024
Title Company	FLAG CITY TITLE AGENCY INC

Transaction

Amount	Amount on Record
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 726, FINDLAY, OH 45839-0726

Mortgage

Document Number	02542/1791
Date	Jul 31, 2018
Book Page	2542/1791
Instrument	201800006261

Lender

Name	FIRST FEDERAL BANK
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 409 S Main St was $6,651.

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	$6,651.00	$122,830 Land $11,380 Building $111,450	$350,940 Land $32,500 Building $318,440
2023	$10,517.00	$187,350 Land $9,890 Building $177,460
2022			$535,280 Land $28,260 Building $507,020

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 409 S Main St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 17 policies
Nearby Flood Policies	17 in force
Nearby Flood Claims	308 (1981–2017)
Claims Outside the SFHA	7 of 308
Most Recent Claim	Jul 2017 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 90 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

The area around 409 S Main 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.

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

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

May also be available: Amplex Wireless, MetaLINK Technologies, T-Mobile.

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