431 Bright Rd, Findlay, OH 45840 Property Records

Hancock County property record for 431 Bright Rd, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,500 sqft · built 1977
Lot Size	0.523 acres (22,786 sqft)
Owner	Individual Name on Record
Last Sale	$167,000 (Jan 2018)
Tax Bill	$2,301 (2025)
Deeds & Mortgages	Jan 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-163-02-006.000`

Property Details

APN / Parcel Number

Primary APN	`1011-163-02-006.000`
Alternative APN	`560000197020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,500 sqft Living Area
1st Floor Area	1,500 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	22,786 sqft (0.523 acres)
Lot Dimensions	217 ft deep x 105 ft wide
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	44 sqft
Patio Area	484 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	431 BRIGHT RD
City	FINDLAY
State	OH
Zip	45840-7042
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	COUNTRY CLUB ACRES 11TH LOT 472
Legal Subdivision	COUNTRY CLUB ACRES
Legal Lot Number	472
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3043
Census Tract	700

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	431 BRIGHT RD, FINDLAY, OH 45840-7042
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2018 · Amount on Record
Deed Sale	Jan 11, 2018 · Amount on Record
Prior Sale	Sep 12, 2014 · Amount on Record
Deed Document Number	2018295
Deed Book / Page	2532 / 1
Prior Transfer Date	Oct 3, 2013
Prior Transfer Doc	02451/0355
Record Updated	Sep 20, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 11, 2018
Property Address	431 BRIGHT RD, FINDLAY, OH 45840-7042
Document Number	02532/0001
Book / Page	2532 / 0001
Instrument Date	Jan 3, 2018
Instrument	201800000295
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	ASSURED TITLE

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	431 BRIGHT RD, FINDLAY, OH 45840-7042

Mortgage

Document Number	201800000296
Date	Jan 11, 2018
Instrument	201800000296

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

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	$2,301.00 (+1.05%) Homeowner's exemption	$75,040 (+17.07%) Land $17,370 Building $57,670	$214,400 (+17.08%) Land $49,630 Building $164,770
2024	$2,277.00 (-0.18%)	$64,100 (-) Land $14,850 Building $49,250
2023	$2,281.00 Homeowner's exemption	$64,100 Land $14,850 Building $49,250
2022			$183,130 Land $42,420 Building $140,710

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 100 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	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 267 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
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
T-Mobile Fixed Wireless	100 / 20
AT&T DSL	100 / 20

May also be available: MetaLINK Technologies, Watch TV.

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