430 E Main Cross St, Findlay, OH 45840 Property Records

Hancock County property record for 430 E Main Cross St, Findlay, OH 45840

Property Summary

Property Type	Retail Stores (Personal Services, Photography, Travel)
Details	1,400 sqft · built 1962
Lot Size	1.37 acres (59,895 sqft)
Owner	Individual Name on Record
Last Sale	$98,000 (Aug 2021)
Tax Bill	$1,644 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1011-183-09-005.000`

Property Details

APN / Parcel Number

Primary APN	`1011-183-09-005.000`
Alternative APN	`610000341170`

Interior

Plumbing Fixtures	2 Plumbing Fixtures
Stories	1 Story
Building Area	1,400 sqft Living Area
Flooring	Concrete/Cement
Interior Walls	Unfinished
Elevator	Elevator

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1963
Exterior Material	Brick
Fire Resistance	Wood or Wood & Steel Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	59,895 sqft (1.37 acres)

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	430 E MAIN CROSS ST
City	FINDLAY
State	OH
Zip	45840-4823
Property Category	Commercial
Property Type	Commercial > Retail > Retail Stores (Personal Services, Photography, Travel)
Legal Description	T1N R11 S18 W PT PT E PT BET MAIN CROSS & RIV SW FR
Legal Range	11E
Legal Township	01N
Legal Section	18
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3001
Census Tract	800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1021 PARK ST, FINDLAY, OH 45840-5039
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 20, 2021 · Amount on Record
Deed Sale	Aug 20, 2021 · Amount on Record
Prior Sale	Apr 11, 2008 · Amount on Record
Deed Document Number	20219812
Deed Book / Page	2585 / 5223
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 20, 2021
Property Address	430 E MAIN CROSS ST, FINDLAY, OH 45840-4823
Document Number	02585/5223
Book / Page	2585 / 5223
Instrument Date	Jul 16, 2021
Instrument	202100009812
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Amount	Amount Recorded
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	1021 PARK ST, FINDLAY, OH 45840-5039

Mortgage

Document Number	202100009813
Date	Aug 20, 2021
Instrument	202100009813

Lender

Name	DAVID E HEITMEYER ETAL
Type	Private Party

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,644.00 (+8.59%)	$30,360 (+12.57%) Land $22,360 Building $8,000	$86,720 (+12.58%) Land $63,870 Building $22,850
2023	$1,514.00	$26,970 Land $19,440 Building $7,530
2022			$77,030 Land $55,530 Building $21,500

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 41 policies
Nearby Flood Policies	41 in force
Nearby Flood Claims	309 (1981–2026)
Claims Outside the SFHA	3 of 309
Most Recent Claim	Apr 2026 · river or lake flooding
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 132 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 98% of the US · lower than 90% 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 · Fiber in parts of the area	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: MetaLINK Technologies.

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