438 Cherry St, Findlay, OH 45840 Property Records

Hancock County property record for 438 Cherry St, Findlay, OH 45840 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,056 sqft · built 1910
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Tax Bill	$1,049 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone AE (high risk)
APN	`1011-182-16-006.000`

Property Details

APN / Parcel Number

Primary APN	`1011-182-16-006.000`
Alternative APN	`590000261590`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,056 sqft Living Area
1st Floor Area	1,056 sqft
Basement Area	528 sqft
Unfinished Basement	528 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	210 sqft
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	438 CHERRY ST
City	FINDLAY
State	OH
Zip	45840-5767
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORRIS DAVID L ADD LOT 12098
Legal Subdivision	NORRIS DAVID L ADD
Legal Lot Number	12098
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3029
Census Tract	600

Owner

Source: Hancock County records · APN 1011-182-16-006.000

Assessment roll updated May 29, 2026 · Last verified August 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 File
Mailing Address	438 CHERRY ST, FINDLAY, OH 45840-5767
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 10, 2026	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Oct 04, 2023	Warranty Deed, Transfer GOLDEN KEY TITLE AGENCY
Apr 04, 2018	Deed of Trust, Mortgage · Conventional Mortgage IMPACT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 15, 2024
Deed Sale	May 15, 2024
Prior Sale	Oct 26, 1999 · Amount on Record
Deed Document Number	20243156
Deed Book / Page	2610 / 4358
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	438 CHERRY ST, FINDLAY, OH 45840-5767
Transaction Type	Mortgage
Record Updated	Feb 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 CHERRY ST, FINDLAY, OH 45840-5767

Mortgage

Document Number	02626/3534
Date	Feb 10, 2026
Book Page	2626/3534
Instrument	202600000985

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	451 7TH ST SW, WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	480 Months
Due	Feb 01, 2066

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 04, 2023
Property Address	438 CHERRY ST, FINDLAY, OH 45840-5767
Document Number	02806/1594
Book / Page	2806 / 1594
Instrument Date	Sep 29, 2023
Instrument	202300006626
Transaction Type	Transfer
Record Updated	Oct 19, 2023
Title Company	GOLDEN KEY TITLE AGENCY

Transaction

Amount	Amount Recorded
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	11003 KEENE RD, LOUISVILLE, KY 40241-4845

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	438 CHERRY ST, FINDLAY, OH 45840-5767
Transaction Type	Mortgage
Record Updated	Apr 18, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2535/2511
Date	Apr 04, 2018
Book Page	2535/2511
Instrument	201800002492

Lender

Name	IMPACT CREDIT UNION INC
Type	Credit Union
Address	CLYDE, OH 43410

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 01, 2033

Tax Assessment & Valuation

Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,049.00	$34,230 (+19.06%) Land $6,270 Building $27,960	$97,790 (+19.05%) Land $17,910 Building $79,880
2023	$1,049.00 (+0.29%)	$28,750 (-) Land $5,270 Building $23,480
2022	$1,046.00	$28,750 Land $5,270 Building $23,480	$82,140 Land $15,050 Building $67,090

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Hancock County (39063C), updated June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390630006003, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	8 in force
Nearby Flood Claims	30 (1997–2017)
Most Recent Claim	Jul 2017, rainfall accumulation
Claims By Storm	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 23 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 474 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Metronet Holdings	Fiber	5,120 / 5,120
AT&T	Fiber	5,000 / 5,000
Spectrum	Cable	1,000 / 1,000
Benton Ridge Telephone Company	Fixed Wireless	400 / 40
Verizon	Fixed Wireless	300 / 20
HDER Link	Fixed Wireless (unlicensed)	100 / 100
AT&T	DSL	100 / 20

May also be available at this address: AT&T, Defiance Holdings, Amplex Electric, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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