435 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 435 Howard St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,456 sqft · built 1925
Lot Size	0.172 acres (7,501 sqft)
Owner	Individual Name on Record
Last Sale	$68,000 (Apr 1994)
Tax Bill	$1,594 (2025)
Deeds & Mortgages	Mar 2024 Transfer Mar 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-131-04-052.000`

Property Details

APN / Parcel Number

Primary APN	`1010-131-04-052.000`
Alternative APN	`560000188990`

Interior

Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	2 Stories
Building Area	1,456 sqft Living Area
1st Floor Area	728 sqft
2nd Floor Area	728 sqft
Basement Area	728 sqft
Unfinished Basement	728 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	7,501 sqft (0.172 acres)
Lot Dimensions	150 ft deep x 50 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	192 sqft
Deck Area	150 sqft
Patio Area	150 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	435 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3648
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CORYS DEFIANCE AVE ADD BLK 1 LOT 6
Legal Subdivision	CORYS DEFIANCE AVE ADD
Legal Block	1
Legal Lot Number	6
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	5
Census Block	5019
Census Tract	902

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	435 HOWARD ST, FINDLAY, OH 45840-3648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2024	Affidavit of Death of Joint Tenant, Transfer
Mar 26, 2024	Affidavit, Transfer
May 27, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROYAL UNITED MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 19, 1994 · Amount on Record
Deed Sale	Apr 19, 1994 · Amount on Record
Prior Sale	Apr 3, 1989 · Amount on Record
Last Transfer Date	Mar 19, 2024
Transfer Doc	02609/3524
Record Updated	Sep 20, 2026

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	HANCOCK OH
Recording Date	Mar 26, 2024
Property Address	435 HOWARD ST, FINDLAY, OH 45840-3648
Document Number	02609/3524
Book / Page	2609 / 3524
Instrument Date	Dec 22, 2023
Instrument	202400001939
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Severalty

March 2024: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	HANCOCK OH
Recording Date	Mar 26, 2024
Property Address	435 HOWARD ST, FINDLAY, OH 45840-3648
Document Number	02609/3521
Book / Page	2609 / 3521
Instrument Date	Dec 20, 2023
Instrument	202400001938
Transaction Type	Transfer
Record Updated	Apr 8, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	435 HOWARD ST, FINDLAY, OH 45840-3648

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	435 HOWARD ST, FINDLAY, OH 45840-3648
Transaction Type	Mortgage
Record Updated	Jun 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02594/5614
Date	May 27, 2022
Book Page	2594/5614
Instrument	202200005093

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2037

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	$1,594.00 (+30.87%) Homeowner's exemption	$52,010 (+51.59%) Land $6,280 Building $45,730	$148,600 (+51.6%) Land $17,940 Building $130,660
2024	$1,218.00 (-0.16%)	$34,310 (-) Land $4,130 Building $30,180
2023	$1,220.00 Homeowner's exemption	$34,310 Land $4,130 Building $30,180
2022			$98,020 Land $11,800 Building $86,220

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

Flood

Source: FEMA National Flood Hazard Layer, effective June 2, 2011

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

Values are read at the parcel center point; 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 359 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
AT&T Fixed Wireless · DSL	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies, T-Mobile.

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