Hancock County property record for 423 Elm St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,408 sqft · built 1900 |
| Lot Size | 0.23 acres (10,001 sqft) |
| Owner | Individual Name on File |
| Last Sale | $95,366 (Aug 2008) |
| Tax Bill | $1,604 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-244-03-006.000 |
| Primary APN | 1010-244-03-006.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,408 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| 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 | 158 sqft |
| Deck Area | 278 sqft |
| Patio Area | 278 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 423 ELM ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-3017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SCHWARTZ & FIRMINS ADD LOT 1902 |
| Legal Subdivision | SCHWARTZ & FIRMINS ADD |
| Legal Lot Number | 1902 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 1000 |
423 Elm St is owned and occupied by an individual who bought it in August 2008.
Source: Hancock County records, as of May 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 423 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2008 · Amount on File |
| Deed Sale | Aug 14, 2008 · Amount on File |
| Prior Sale | Aug 29, 2002 · Amount on File |
| Deed Document Number | 20088780 |
| Deed Book / Page | 2344 / 2544 |
| Record Updated | Sep 20, 2026 |
The 2025 property tax bill for 423 Elm St was $1,604 with a homeowner's exemption.
Source: Hancock County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,604.00 | $52,340 Land $9,730 Building $42,610 | $149,550 Land $27,810 Building $121,740 |
| 2023 | $1,467.00 Homeowner's exemption | $41,230 Land $7,670 Building $33,560 | |
| 2022 | $117,790 Land $21,900 Building $95,890 |
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.
FEMA maps place 423 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.
The area around 423 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.
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 |
| 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.
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.
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