438 Center St, Findlay, OH 45840 Property Records

Hancock County property record for 438 Center St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,220 sqft · built 1900
Lot Size	0.11 acres (4,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$79,900 (Jan 2021)
Tax Bill	$1,301 (2025)
Deeds & Mortgages	Sep 2026 Mortgage Jan 2021 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`1011-182-23-013.000`

Property Details

APN / Parcel Number

Primary APN	`1011-182-23-013.000`
Alternative APN	`570000209900`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,220 sqft Living Area
1st Floor Area	856 sqft
2nd Floor Area	364 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	4,800 sqft (0.11 acres)
Lot Dimensions	100 ft deep x 48 ft wide
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	124 sqft
Patio Area	190 sqft
Canopy	190 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	438 CENTER ST
City	FINDLAY
State	OH
Zip	45840-5748
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FERRIS ADD LOT 9584
Legal Subdivision	FERRIS ADD
Legal Lot Number	9584
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2005
Census Tract	800

Owner

Source: Hancock County records, as of October 6, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	438 CENTER ST, FINDLAY, OH 45840-5748
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 4, 2021	Warranty Deed, Transfer · FHA Mortgage TOWNE MORTGAGE CO
Jun 5, 2020	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2021 · Amount on Record
Deed Sale	Jan 4, 2021 · Amount on Record
Prior Sale	May 25, 2016 · Amount on Record
Deed Document Number	202159
Deed Book / Page	2577 / 1020
Prior Transfer Date	Jun 3, 2020
Prior Transfer Doc	02563/1429
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	Sep 24, 2026
Property Address	438 CENTER ST, FINDLAY, OH 45840-5748
Document Number	0000007214
Book / Page	2632 / 5902
Instrument Date	Sep 14, 2026
Instrument	20267214
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CENTER ST, FINDLAY, OH 45840-5748

Mortgage

Document Number	0000007214,
Date	Sep 24, 2026
Book Page	2632/5902
Instrument	20267214

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	292 Months
Due	Jan 1, 2051

Interest

Max Rate	-1%

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 4, 2021
Property Address	438 CENTER ST, FINDLAY, OH 45840-5748
Document Number	02577/1020
Book / Page	2577 / 1020
Instrument Date	Dec 24, 2020
Instrument	202100000059
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	MID S TITLE AGENCY, MID AM TITLE AGENCY

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
Relationship	Right of Survivorship
Address	438 CENTER ST, FINDLAY, OH 45840-5748

Mortgage

Document Number	202100000061
Date	Jan 4, 2021
Instrument	202100000061

Lender

Name	TOWNE MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

June 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 5, 2020
Property Address	438 CENTER ST, FINDLAY, OH 45840-5748
Document Number	02563/1429
Book / Page	2563 / 1429
Instrument Date	Jun 3, 2020
Instrument	202000005135
Transaction Type	Transfer
Record Updated	Jun 27, 2022

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

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	$1,301.00 (+8.69%) Homeowner's exemption	$42,450 (+25.96%) Land $4,490 Building $37,960	$121,300 (+25.99%) Land $12,830 Building $108,470
2024	$1,197.00 (-0.17%)	$33,700 (-) Land $3,560 Building $30,140
2023	$1,199.00 Homeowner's exemption	$33,700 Land $3,560 Building $30,140
2022			$96,280 Land $10,180 Building $86,100

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	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	230 (1981–2017)
Claims Outside the SFHA	11 of 230
Most Recent Claim	Jul 2017 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 110 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 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.

Nearby Properties on Center St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures