411 Elm St, Findlay, OH 45840 Property Records

Hancock County property record for 411 Elm St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,873 sqft · built 1915
Lot Size	0.234 acres (10,202 sqft)
Owner	Individual Name on File
Last Sale	$205,000 (Oct 2025)
Tax Bill	$2,433 (2025)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-244-03-002.000`

Property Details

APN / Parcel Number

Primary APN	`1010-244-03-002.000`
Alternative APN	`600000290480`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	1 Story
Building Area	1,873 sqft Living Area
1st Floor Area	1,626 sqft
Basement Area	572 sqft
Unfinished Basement	572 sqft
Flooring	Brick
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1915
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,202 sqft (0.234 acres)
Lot Dimensions	200 ft deep x 51 ft wide
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	170 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	411 ELM ST
City	FINDLAY
State	OH
Zip	45840-3017
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SCHWARTZ & FIRMINS ADD LOT 1899
Legal Subdivision	SCHWARTZ & FIRMINS ADD
Legal Lot Number	1899
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3015
Census Tract	1000

Owner

411 Elm St is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	411 ELM ST, FINDLAY, OH 45840-3017
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 29, 2025 · Amount on File
Deed Sale	Oct 29, 2025 · Amount on File
Prior Sale	Oct 1, 2010 · Amount on File
Deed Document Number	20259011
Deed Book / Page	2623 / 5520
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 29, 2025
Property Address	411 ELM ST, FINDLAY, OH 45840-3017
Document Number	02623/5520
Book / Page	2623 / 5520
Instrument Date	Oct 22, 2025
Instrument	202500009011
Transaction Type	Transfer
Record Updated	Apr 3, 2026
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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 ELM ST, FINDLAY, OH 45840-3017

Mortgage

Document Number	202500009012
Date	Oct 29, 2025
Instrument	202500009012

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2025 property tax bill for 411 Elm St was $2,433 with a homeowner's exemption, up 9.6% 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	$2,433.00 (+9.59%)	$79,370 (+26.97%) Land $9,930 Building $69,440	$226,770 Land $28,370 Building $198,400
2024	$2,220.00 (-0.18%) Homeowner's exemption	$62,510 (-) Land $7,820 Building $54,690
2023	$2,224.00 Homeowner's exemption	$62,510 Land $7,820 Building $54,690
2022			$178,600 Land $22,340 Building $156,260

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 411 Elm 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.

Wildfire

The area around 411 Elm 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 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.