427 Scarlet Oak Dr, Findlay, OH 45840 Property Records

Hancock County property record for 427 Scarlet Oak Dr, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,845 sqft · built 1987
Lot Size	0.618 acres (26,903 sqft)
Owner	2 Individual Names on Record
Last Sale	$549,900 (Jun 2026)
Tax Bill	$3,418 (2025)
Deeds & Mortgages	Nov 2011 Line of Credit Jun 2017 Line of Credit + 12 more
Flood Zone	Zone X (minimal risk)
APN	`1011-164-04-007.000`

Property Details

APN / Parcel Number

Primary APN	`1011-164-04-007.000`
Alternative APN	`560001011522`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	3,845 sqft Living Area
1st Floor Area	2,042 sqft
2nd Floor Area	1,634 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	26,903 sqft (0.618 acres)
Lot Dimensions	183 ft deep x 147 ft wide
Garage Type	Attached
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	64 sqft
Deck Area	1,088 sqft
Patio Area	1,088 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	427 SCARLET OAK DR
City	FINDLAY
State	OH
Zip	45840-7186
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ACRES 13TH LOT 534 EX S6FT
Legal Subdivision	COUNTRY CLUB ACRES
Legal Lot Number	534
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3035
Census Tract	700

Owner

Source: Hancock County records, as of June 22, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2011	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 1, 2017	Deed of Trust, Mortgage · Line of Credit CARAIG M SEAGER
May 10, 2013	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE OLD FORT BANKING CO
Nov 8, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE OLD FORT BANKING CO
Jul 27, 2005	Deed of Trust, Mortgage FIFTH THIRD BANK CENTRAL OHIO
Oct 20, 2011	Deed of Trust, Mortgage · Conventional Mortgage THE HUNTINGTON NATIONAL BANK
May 6, 2009	Deed of Trust, Mortgage THE HUNTINGTON NATIONAL BANK
Jun 10, 2026	Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK N A
May 18, 2026	Deed of Trust, Mortgage · Construction Mortgage OLD FORT BANKING COMPANY
Jun 1, 2017	Deed of Trust, Mortgage · Line of Credit CARAIG M SEAGER
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage THE OLD FORT BANKING CO
Nov 8, 2018	Deed of Trust, Mortgage · Commercial Mortgage THE OLD FORT BANKING CO
Jun 3, 2005	Warranty Deed, Transfer · Conventional Mortgage ABN AMRO MORTGAGE GROUP INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Prior Sale	Jun 3, 2005 · Amount on Record
Deed Document Number	20264260
Deed Book / Page	2629 / 5789
Record Updated	Sep 20, 2026

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02408/1692
Date	Nov 22, 2011
Book Page	2408/1692
Instrument	201100010861

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Dec 15, 2041

Interest

Rate Type	Fixed Rate
Change Frequency	Monthly

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02520/0567
Date	Jun 1, 2017
Book Page	2520/0567
Instrument	201700004728

Lender

Name	CARAIG M SEAGER
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 8, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02441/1649
Date	May 10, 2013
Book Page	2441/1649
Instrument	201300005047

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Apr 13, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY NC INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02577/4948
Date	Jan 22, 2021
Book Page	2577/4948
Instrument	202100000790

Lender

Name	THE OLD FORT BANKING CO
Type	Bank
Address	TIFFIN, OH 44883

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02548/0155
Date	Nov 8, 2018
Book Page	2548/0155
Instrument	201800009324

Lender

Name	THE OLD FORT BANKING CO
Type	Bank
Address	OLD FORT, OH 44861

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 29, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002271/473
Date	Jul 27, 2005
Book Page	2271/473
Instrument	200500009398

Lender

Name	FIFTH THIRD BANK CENTRAL OHIO
Type	Bank
Address	COLUMBUS, OH 43215

Agreement

Amount	Amount Recorded
Term	239 Months
Due	May 31, 2025

October 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02406/1508
Date	Oct 20, 2011
Book Page	2406/1508
Instrument	201100009528

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2026

May 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Jun 23, 2026
Title Company	ASSURED OH TITLE AGENCY INC, ASSURED TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002357/864
Date	May 6, 2009
Book Page	2357/864
Instrument	200900004717

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43235

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2039

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 10, 2026
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Document Number	02629/5789
Book / Page	2629 / 5789
Instrument Date	May 29, 2026
Instrument	20264260
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	MIDLAND TITLE, MID AM TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$166,619.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186

Mortgage

Document Number	0000004261,
Date	Jun 10, 2026
Instrument	20264261

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	May 18, 2026
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Document Number	0000003546
Book / Page	2629 / 1462
Instrument Date	May 1, 2026
Instrument	20263546
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186

Mortgage

Document Number	0000003546,
Date	May 18, 2026
Book Page	2629/1462
Instrument	20263546

Lender

Name	OLD FORT BANKING COMPANY

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Nov 1, 2026

Interest

Rate	6.46%
Max Rate	-1%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2520/0567
Date	Jun 1, 2017
Book Page	2520/0567
Instrument	201700004728

Lender

Name	CARAIG M SEAGER
Type	Private Party

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	May 8, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ASSURED TITLE AGENCY NC INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2577/4948
Date	Jan 22, 2021
Book Page	2577/4948
Instrument	202100000790

Lender

Name	THE OLD FORT BANKING CO
Type	Bank
Address	TIFFIN, OH 44883

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Feb 1, 2031

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2548/0155
Date	Nov 8, 2018
Book Page	2548/0155
Instrument	201800009324

Lender

Name	THE OLD FORT BANKING CO
Type	Bank
Address	OLD FORT, OH 44861

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Oct 29, 2033

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2005: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 3, 2005
Property Address	427 SCARLET OAK DR, FINDLAY, OH 45840-7186
Document Number	02266/2257
Book / Page	2266 / 2257
Instrument Date	May 31, 2005
Instrument	200500006799
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
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	427 SCARLET OAK DR, FINDLAY, OH 45840-7186

Mortgage

Document Number	200500006800
Date	Jun 3, 2005
Instrument	200500006800

Lender

Name	ABN AMRO MORTGAGE GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2035

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Adjustable	Adjustable Rate Rider
Change Frequency	Annually
Index	LIBOR

Mortgage

Document Number	02267/2685
Date	Jun 20, 2005
Book Page	2267/2685
Instrument	200500007549

Lender

Name	FIFTH THIRD BANK NORTHWESTERN OHIO
Type	Bank
Address	TOLEDO, OH 43604

Agreement

Amount	Amount Recorded
Term	238 Months
Due	Apr 25, 2025

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	$3,418.00 (-13.42%)	$111,450 (+0.48%) Land $23,540 Building $87,910	$318,440 (+0.47%) Land $67,270 Building $251,170
2023	$3,948.00 Homeowner's exemption	$110,920 Land $23,540 Building $87,380
2022			$316,940 Land $67,270 Building $249,670

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	10 (1978–2024)
Claims Outside the SFHA	1 of 10
Most Recent Claim	Jul 2024 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 6 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	Low lower than 97% of the US · lower than 85% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 269 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 / 35
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies.

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