423 1st St, Findlay, OH 45840 Property Records

Hancock County property record for 423 1st St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,063 sqft · built 1930
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$205,000 (Apr 2026)
Tax Bill	$1,910 (2025)
Deeds & Mortgages	Oct 2009 Line of Credit Apr 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1011-193-09-003.000`

Property Details

APN / Parcel Number

Primary APN	`1011-193-09-003.000`
Alternative APN	`570000214320`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,063 sqft Living Area
1st Floor Area	857 sqft
Basement Area	825 sqft
Unfinished Basement	825 sqft
Flooring	Brick
Interior Walls	Plaster

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1930
Exterior Material	Wood
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	423 1ST ST
City	FINDLAY
State	OH
Zip	45840-5028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GAGE & CARLIN ADD LOT 1578 E1/2 W1/2
Legal Subdivision	GAGE & CARLIN ADD
Legal Lot Number	1578
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4014
Census Tract	800

Owner

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 Record
Mailing Address	423 1ST ST, FINDLAY, OH 45840-5028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 22, 2009	Deed of Trust, Mortgage · Line of Credit FIRST FEDERAL BANK OF THE MIDWEST
Apr 23, 2026	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jan 21, 2026	Intrafamily Transfer, Transfer WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY
Jan 23, 2006	Warranty Deed, Transfer · Conventional Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 23, 2026 · Amount on Record
Deed Sale	Apr 23, 2026 · Amount on Record
Deed Document Number	20262857
Deed Book / Page	2628 / 3214
Prior Transfer Date	Jan 15, 2026
Prior Transfer Doc	002626/403
Record Updated	Sep 20, 2026

October 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	423 1ST ST, FINDLAY, OH 45840-5028
Transaction Type	Mortgage
Record Updated	May 4, 2026
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002367/794
Date	Oct 22, 2009
Book Page	2367/794
Instrument	200900011379

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 23, 2026
Property Address	423 1ST ST, FINDLAY, OH 45840-5028
Document Number	02628/3214
Book / Page	2628 / 3214
Instrument Date	Apr 19, 2026
Instrument	2026.2857
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	WHITMAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$62,115.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	423 1ST ST, FINDLAY, OH 45840-5028

Mortgage

Document Number	0000002858,
Date	Apr 23, 2026
Book Page	2628/3216
Instrument	2026.2858

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	240 Months
Due	May 1, 2046

Interest

Rate	6.11%
Max Rate	-1%

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Jan 21, 2026
Property Address	423 1ST ST, FINDLAY, OH 45840-5028
Document Number	002626/403
Book / Page	2626 / 403
Instrument Date	Jan 15, 2026
Instrument	202600000470
Transaction Type	Transfer
Record Updated	Jan 30, 2026
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 EAGLE RIDGE DR, FINDLAY, OH 45840-6588

January 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 23, 2006
Property Address	423 1ST ST, FINDLAY, OH 45840-5028
Document Number	002285/802
Book / Page	2285 / 802
Instrument Date	Jan 5, 2006
Instrument	200600000865
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	WHITMAN TITLE SECURITY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 EAGLE RIDGE DR, FINDLAY, OH 45840-6588

Mortgage

Document Number	002285/805
Date	Jan 23, 2006
Book Page	2285/805
Instrument	200600000866

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	601 CLINTON ST, DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jan 1, 2021

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	$1,910.00 (+12.16%)	$60,740 (+29.95%) Land $6,780 Building $53,960	$173,550 (+29.97%) Land $19,370 Building $154,180
2024	$1,703.00 (-0.18%)	$46,740 (-) Land $5,220 Building $41,520
2023	$1,706.00	$46,740 Land $5,220 Building $41,520
2022			$133,530 Land $14,900 Building $118,630

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 in force
Nearby Flood Claims	30 (1981–2021)
Claims Outside the SFHA	3 of 30
Most Recent Claim	Jul 2021 · other causes
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 12 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 455 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
HDER Link Fixed Wireless	100 / 100

May also be available: Buckeye Cablesystem, T-Mobile, Watch TV.

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