412 Lester Ave, Findlay, OH 45840 Property Records

Hancock County property record for 412 Lester Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 2,944 sqft · built 1959
Lot Size	0.254 acres (11,051 sqft)
Owner	Individual Name on File
Last Sale	$162,000 (Jun 2019)
Tax Bill	$2,486 (2025)
Deeds & Mortgages	Apr 2020 Mortgage Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-121-03-024.000`

Property Details

APN / Parcel Number

Primary APN	`1010-121-03-024.000`
Alternative APN	`600000299840`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,944 sqft Living Area
1st Floor Area	1,208 sqft
2nd Floor Area	1,736 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Construction Type	Brick
Roof Type	Hip
Roof Material	Shingle
Lot Area	11,051 sqft (0.254 acres)
Lot Dimensions	130 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	42 sqft
Deck Area	80 sqft
Patio Area	160 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	412 LESTER AVE
City	FINDLAY
State	OH
Zip	45840-3846
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	STEPHENSON HILL ADD LOT 12784 W35FT & L12783 & PT ALY N
Legal Subdivision	STEPHENSON HILL ADD
Legal Lot Number	12784
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	6
Census Block	6003
Census Tract	400

Owner

412 Lester Ave is owned and occupied by an individual who bought it in June 2019.

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

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

Owner of Record	Individual Name on File
Mailing Address	412 LESTER AVE, FINDLAY, OH 45840-3846
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 21, 2020	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Jun 24, 2019	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on File
Deed Sale	Jun 24, 2019 · Amount on File
Prior Sale	Oct 1, 2008 · Amount on File
Deed Document Number	20194961
Deed Book / Page	2558 / 4708
Prior Transfer Date	Sep 23, 2008
Prior Transfer Doc	02346/1830
Record Updated	Sep 20, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	412 LESTER AVE, FINDLAY, OH 45840-3846
Transaction Type	Mortgage
Record Updated	Jun 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02567/3261
Date	Apr 21, 2020
Book Page	2567/3261
Instrument	202000003404

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 24, 2019
Property Address	412 LESTER AVE, FINDLAY, OH 45840-3846
Document Number	02558/4708
Book / Page	2558 / 4708
Instrument Date	Jun 20, 2019
Instrument	201900004961
Transaction Type	Transfer
Record Updated	Jun 27, 2022
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	412 LESTER AVE, FINDLAY, OH 45840-3846

Mortgage

Document Number	201900004962
Date	Jun 24, 2019
Instrument	201900004962

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 412 Lester Ave was $2,486 with a homeowner's exemption, up 2.7% 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	$2,486.00 (+2.68%) Homeowner's exemption	$81,110 (+19%) Land $8,890 Building $72,220	$231,730 Land $25,400 Building $206,330
2024	$2,421.00 (-0.16%)	$68,160 (-) Land $7,470 Building $60,690
2023	$2,425.00 Homeowner's exemption	$68,160 Land $7,470 Building $60,690
2022			$194,740 Land $21,350 Building $173,390

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 412 Lester Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

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 (1997)
Most Recent Claim	Jun 1997 · river or lake flooding

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 412 Lester Ave 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 366 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 / 1,000
Watch TV Fixed Wireless	400 / 40
HDER Link Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies, Verizon.

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