445 Carnahan Ave, Findlay, OH 45840 Property Records

Hancock County property record for 445 Carnahan Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,573 sqft · built 1910
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$70,000 (Apr 2017)
Tax Bill	$1,583 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Nov 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-181-18-008.000`

Property Details

APN / Parcel Number

Primary APN	`1011-181-18-008.000`
Alternative APN	`580000241040`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,573 sqft Living Area
1st Floor Area	1,267 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 Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	80 sqft
Canopy	30 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	445 CARNAHAN AVE
City	FINDLAY
State	OH
Zip	45840-5817
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HULL ADD LOT 8277
Legal Subdivision	HULL ADD
Legal Lot Number	8277
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2000
Census Tract	800

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	445 CARNAHAN AVE, FINDLAY, OH 45840-5817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 27, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Nov 9, 2022	Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP
Apr 4, 2017	Fiduciary Deed, Transfer · Seller Carry-Back NICK NIGH

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 4, 2017 · Amount on Record
Deed Sale	Apr 4, 2017 · Amount on Record
Prior Sale	Jun 30, 1997 · Amount on Record
Deed Document Number	20172843
Deed Book / Page	2516 / 2171
Record Updated	Sep 20, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	445 CARNAHAN AVE, FINDLAY, OH 45840-5817
Transaction Type	Mortgage
Record Updated	Dec 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02607/1833
Date	Nov 27, 2023
Book Page	2607/1833
Instrument	202300007819

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	445 CARNAHAN AVE, FINDLAY, OH 45840-5817
Transaction Type	Mortgage
Record Updated	Nov 17, 2022
Title Company	FLAG CITY TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	002599/789
Date	Nov 9, 2022
Book Page	2599/789
Instrument	202200009988

Lender

Name	POLARIS HOME FUNDING CORP
Type	Mortgage Company
Address	GRANDVILLE, MI 49418

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

April 2017: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 4, 2017
Property Address	445 CARNAHAN AVE, FINDLAY, OH 45840-5817
Document Number	02516/2171
Book / Page	2516 / 2171
Instrument Date	Mar 31, 2017
Instrument	201700002843
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	FLAG CITY TITLE

Transaction

Amount	Amount Recorded
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
Address	445 CARNAHAN AVE, FINDLAY, OH 45840-5817

Mortgage

Document Number	201700002844
Date	Apr 4, 2017
Instrument	201700002844

Lender

Name	NICK NIGH
Type	Seller

Agreement

Type	Seller Carry-Back
Amount	Amount Recorded

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	$1,583.00 (+8.5%)	$51,660 (+25.97%) Land $6,530 Building $45,130	$147,590 (+25.97%) Land $18,650 Building $128,940
2023	$1,459.00 Homeowner's exemption	$41,010 Land $5,180 Building $35,830
2022			$117,160 Land $14,800 Building $102,360

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
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 358 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber · DSL · Fixed Wireless in parts of the area	5,000 / 5,000
Spectrum Cable	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
MetaLINK Technologies Fixed Wireless	200 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Amplex Wireless.

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