Hancock County property record for 445 Howard St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 844 sqft · built 1920 |
| Lot Size | 0.121 acres (5,249 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $100 (Feb 1987) |
| Tax Bill | $1,375 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1010-131-04-048.000 |
| Primary APN | 1010-131-04-048.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 844 sqft Living Area |
| 1st Floor Area | 844 sqft |
| Basement Area | 844 sqft |
| Unfinished Basement | 844 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 5,249 sqft (0.121 acres) |
| Lot Dimensions | 70 ft deep x 75 ft wide |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 150 sqft |
| Deck Area | 80 sqft |
| Patio Area | 312 sqft |
| Heating System | Central |
|---|---|
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 445 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 10 E75FT |
| Legal Subdivision | CORYS DEFIANCE AVE ADD |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 5 |
| Census Block | 5019 |
| Census Tract | 902 |
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 HOWARD ST, FINDLAY, OH 45840-3648 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 9, 1987 · Amount on Record |
| Deed Sale | Feb 9, 1987 · Amount on Record |
| Prior Sale | Jul 1, 1985 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 445 HOWARD ST, FINDLAY, OH 45840-3648 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2585/3495 |
|---|---|
| Date | Aug 13, 2021 |
| Book Page | 2585/3495 |
| Instrument | 202100009539 |
| Name | IMPACT CREDIT UNION INC |
|---|---|
| Type | Credit Union |
| Address | CLYDE, OH 43410 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Sep 1, 2036 |
Source: Hancock County assessment roll, as of May 29, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,375.00 (+30.33%) | $44,850 (+51.11%) Land $6,050 Building $38,800 | $128,150 (+51.14%) Land $17,290 Building $110,860 |
| 2023 | $1,055.00 Homeowner's exemption | $29,680 Land $3,980 Building $25,700 | |
| 2022 | $84,790 Land $11,370 Building $73,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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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