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432 W Front St, Findlay, OH 45840 Property Records

Hancock County property record for 432 W Front St, Findlay, OH 45840

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,347 sqft · built 1900
Lot Size0.144 acres (6,251 sqft)
OwnerIndividual Name on Record
Last Sale$137,500 (Nov 2024)
Tax Bill$1,069 (2025)
Deeds & MortgagesDec 2020 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN1010-134-09-010.000

Property Details

APN / Parcel Number

Primary APN1010-134-09-010.000
Alternative APN
  • 600000315340

Interior

Bedrooms2 Beds
Full Baths1 Bath
Plumbing Fixtures3 Plumbing Fixtures
Total Rooms7 Rooms
Stories1 Story
Building Area1,347 sqft Living Area
1st Floor Area1,152 sqft
FlooringBrick
Interior WallsPlaster

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1900
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialShingle
Lot Area6,251 sqft (0.144 acres)
Lot Dimensions125 ft deep x 50 ft wide
Garage Area400 sqft
Parking Spaces2 Parking Spaces
PorchSlab
Porch Area296 sqft
Patio Area72 sqft

Utilities, Heating & Cooling

SewerMunicipal
Water SourceCommercial

Location & Zoning

Street Address432 W FRONT ST
CityFINDLAY
StateOH
Zip45840-3414
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionVANCE ADD LOT 645 EX N75FT
Legal SubdivisionVANCE ADD
Legal Lot Number645
JurisdictionHANCOCK OH
Township / Civil DivisionFINDLAY
Census Block Group1
Census Block1031
Census Tract901

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of RecordIndividual Name on Record
Mailing Address16166 FLORENCE WAY, BRIGHTON, CO 80602-5833
OccupancyOwner Occupied
Owner TypeIndividual
VestingSingle Man

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 12, 2024 · Amount on Record
Deed SaleNov 12, 2024 · Amount on Record
Prior SaleNov 12, 2024 · Amount on Record
Deed Document Number20247550
Deed Book / Page2614 / 4862
Prior Transfer DateMar 1, 2010
Prior Transfer Doc02373/1507
Record UpdatedSep 20, 2026

December 2020: Land Contract, Transfer

Document TypeLand Contract
JurisdictionHANCOCK OH
Recording DateDec 10, 2020
Property Address432 W FRONT ST, FINDLAY, OH 45840-3414
Document Number02576/1989
Book / Page2576 / 1989
Instrument DateNov 10, 2020
Instrument202000012579
Transaction TypeTransfer
Record UpdatedApr 25, 2022

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name
Address60 STROUD RD, 60, MOUNT OLIVE, MS 39119-5181

Transferred To (Grantee/Buyer)

NameVerified Name
Address3889 STATE ROUTE 613, MC COMB, OH 45858-9701

Mortgage

DateDec 10, 2020
Lender
NameJEROME SOMMER
TypePrivate Party
Agreement
TypeLand Contract
AmountAmount Recorded

Tax Assessment & Valuation

Source: Hancock County assessment roll, as of May 29, 2026

Property Jurisdictions

TypeName
StateOhio
CountyHancock County
MunicipalityFindlay City
Unified School DistrictFindlay City School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$1,069.00 (+11.94%) Homeowner's exemption Senior Citizen's exemption$33,980 (+29.69%) Land $4,280 Building $29,700$97,090 (+29.7%) Land $12,220 Building $84,870
2024$955.00 (+57.85%)$26,200 (-) Land $3,290 Building $22,910
2023$605.00 Homeowner's exemption Senior Citizen's exemption$26,200 Land $3,290 Building $22,910
2022$74,860 Land $9,400 Building $65,460

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Flood Insurance CostPremium on Record
median of 38 policies
Nearby Flood Policies38 in force
Nearby Flood Claims10 (2007–2017)
Most Recent ClaimJul 2017 · rainfall accumulation
Claims by Event
  • Severe Storms, Flooding, And Tornadoes, Aug 2007 · 4 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 RiskNot 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 SystemFINDLAY CITY PWS
serves 54,040 people · EPA ID OH3200111
Water SourceSurface water
Last State InspectionJun 2024
Lead2 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting1
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 284 locations within half a mile, as of December 31, 2025

ProviderMax 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

May also be available: AT&T, HDER Link, MetaLINK Technologies.

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