428 W Lima St, Findlay, OH 45840 Property Records

Hancock County property record for 428 W Lima St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,336 sqft · built 1955
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$105,000 (Apr 2020)
Tax Bill	$2,249 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-241-12-012.000`

Property Details

APN / Parcel Number

Primary APN	`1010-241-12-012.000`
Alternative APN	`610000331050`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,336 sqft Living Area
1st Floor Area	1,336 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1996
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	72 sqft
Deck Area	320 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	428 W LIMA ST
City	FINDLAY
State	OH
Zip	45840-3134
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	WESTERN ADD LOT 872
Legal Subdivision	WESTERN ADD
Legal Lot Number	872
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4011
Census Tract	902

Owner

428 W Lima St is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	428 W LIMA ST, FINDLAY, OH 45840-3134
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	Apr 21, 2020 · Amount on File
Deed Sale	Apr 21, 2020 · Amount on File
Deed Document Number	20203391
Deed Book / Page	2567 / 3145
Prior Transfer Date	Jul 18, 2012
Prior Transfer Doc	02423/1114
Record Updated	Sep 20, 2026

April 2020: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 21, 2020
Property Address	428 W LIMA ST, FINDLAY, OH 45840-3134
Document Number	02567/3145
Book / Page	2567 / 3145
Instrument Date	Apr 15, 2020
Instrument	202000003391
Transaction Type	Transfer
Record Updated	Apr 25, 2022

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
Relationship	Right of Survivorship
Address	428 W LIMA ST, FINDLAY, OH 45840-3134

Mortgage

Document Number	202000003392
Date	Apr 21, 2020
Instrument	202000003392

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 428 W Lima St was $2,249 with a homeowner's exemption, up 7.7% 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	$2,249.00 (+7.66%) Homeowner's exemption	$73,370 (+24.74%) Land $8,450 Building $64,920	$209,640 Land $24,150 Building $185,490
2024	$2,089.00 (-0.14%)	$58,820 (-) Land $6,040 Building $52,780
2023	$2,092.00 Homeowner's exemption	$58,820 Land $6,040 Building $52,780
2022			$168,050 Land $17,250 Building $150,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 428 W Lima St in Zone X, an area of minimal flood risk.

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	1 in force

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 428 W Lima 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 485 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable · Fiber in parts of the area	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, MetaLINK Technologies.

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