439 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 439 Howard St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 941 sqft · built 1989
Lot Size	0.157 acres (6,852 sqft)
Owner	2 Individual Names on Record
Last Sale	$60,000 (May 2025)
Tax Bill	$1,570 (2025)
Deeds & Mortgages	May 2018 Line of Credit Apr 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-131-04-050.000`

Property Details

APN / Parcel Number

Primary APN	`1010-131-04-050.000`
Alternative APN	`560000189010`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	4 Rooms
Stories	1 Story
Building Area	941 sqft Living Area
1st Floor Area	801 sqft
Flooring	Brick
Interior Walls	Plaster

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	6,852 sqft (0.157 acres)
Lot Dimensions	137 ft deep x 50 ft wide

Exterior Amenities

Porch	Slab
Porch Area	56 sqft
Deck Area	400 sqft
Patio Area	156 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	439 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 8
Legal Subdivision	CORYS DEFIANCE AVE ADD
Legal Block	1
Legal Lot Number	8
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	2 Individual Names on Record
Mailing Address	439 HOWARD ST, FINDLAY, OH 45840-3648
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2018	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON
Apr 19, 2017	Deed of Trust, Mortgage · Line of Credit THE CITIZENS NATIONAL BANK OF BLUFFTON
May 22, 2020	Land Contract, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	20253100
Deed Book / Page	2618 / 4881
Prior Transfer Date	Feb 24, 2011
Prior Transfer Doc	002394/640
Record Updated	Sep 20, 2026

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	439 HOWARD ST, FINDLAY, OH 45840-3648
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	WHITMAN TITLE SECURITY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02538/1515
Date	May 18, 2018
Book Page	2538/1515
Instrument	201800004020

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	439 HOWARD ST, FINDLAY, OH 45840-3648
Transaction Type	Mortgage
Record Updated	Jun 27, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02517/1669
Date	Apr 19, 2017
Book Page	2517/1669
Instrument	201700003315

Lender

Name	THE CITIZENS NATIONAL BANK OF BLUFFTON
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 13, 2018

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	HANCOCK OH
Recording Date	May 22, 2020
Property Address	439 HOWARD ST, FINDLAY, OH 45840-3648
Document Number	02568/4192
Book / Page	2568 / 4192
Instrument Date	Apr 24, 2020
Instrument	202000004535
Transaction Type	Transfer
Record Updated	Jun 27, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	439 HOWARD ST, FINDLAY, OH 45840-3648
Investor	Possibly a Property Investor

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	$1,570.00 (+30.62%)	$49,930 (+51.39%) Land $5,960 Building $43,970	$142,660 (+51.38%) Land $17,020 Building $125,640
2024	$1,202.00 (-0.17%)	$32,980 (-) Land $3,920 Building $29,060
2023	$1,204.00	$32,980 Land $3,920 Building $29,060
2022			$94,240 Land $11,200 Building $83,040

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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