505 Palm Dr, Findlay, OH 45840 Property Records

Hancock County property record for 505 Palm Dr, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,758 sqft · built 2014
Lot Size	0.258 acres (11,252 sqft)
Owner	2 Individual Names on File
Last Sale	$319,900 (Oct 2021)
Tax Bill	$3,941 (2025)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Jun 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-232-02-002.000`

Property Details

APN / Parcel Number

Primary APN	`1010-232-02-002.000`
Alternative APN	`280001021535`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,758 sqft Living Area
1st Floor Area	1,758 sqft
Basement Area	432 sqft
Finished Basement	216 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,252 sqft (0.258 acres)
Lot Dimensions	150 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	28 sqft
Deck Area	192 sqft
Patio Area	192 sqft
Balcony Area	10 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	505 PALM DR
City	FINDLAY
State	OH
Zip	45840-1725
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PALMS SUBDIVISION LOT 12
Legal Subdivision	PALMS SUB
Legal Lot Number	12
Jurisdiction	HANCOCK OH
Township / Civil Division	LIBERTY
Census Block Group	1
Census Block	1043
Census Tract	1000

Owner

505 Palm Dr is owned and occupied by two individuals who acquired it in April 2025.

Source: Hancock County records, as of May 29, 2026

Owner of Record	2 Individual Names on File
Mailing Address	505 PALM DR, FINDLAY, OH 45840-1725
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2021	Warranty Deed, Transfer · Conventional Mortgage THE UNION BANK
Jun 10, 2020	Warranty Deed, Transfer · Conventional Mortgage THE STATE BANK & TRUST CO
Jan 30, 2017	Warranty Deed, Transfer · ARM WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 25, 2021 · Amount on File
Deed Sale	Oct 25, 2021 · Amount on File
Prior Sale	Jun 10, 2020 · Amount on File
Deed Document Number	202112420
Deed Book / Page	2588 / 1586
Last Transfer Date	Apr 10, 2025
Transfer Doc	002618/899
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 25, 2021
Property Address	505 PALM DR, FINDLAY, OH 45840-1725
Document Number	2588/1586
Book / Page	2588 / 1586
Instrument Date	Oct 15, 2021
Instrument	202100012420
Transaction Type	Transfer
Record Updated	Nov 3, 2021
Title Company	MID S TITLE AGENCY, MID AM TITLE AGENCY

Transaction

Amount	Amount on Record
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
Address	505 PALM DR, FINDLAY, OH 45840-1725

Mortgage

Document Number	202100012421
Date	Oct 25, 2021
Instrument	202100012421

Lender

Name	THE UNION BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 10, 2020
Property Address	505 PALM DR, FINDLAY, OH 45840-1725
Document Number	02569/2289
Book / Page	2569 / 2289
Instrument Date	Jun 5, 2020
Instrument	202000005280
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	FLAG CITY TITLE AGENCY INC

Transaction

Amount	Amount on Record
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	505 PALM DR, FINDLAY, OH 45840-1725

Mortgage

Document Number	202000005281
Date	Jun 10, 2020
Instrument	202000005281

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 30, 2017
Property Address	505 PALM DR, FINDLAY, OH 45840-1725
Document Number	02513/1731
Book / Page	2513 / 1731
Instrument Date	Jan 17, 2017
Instrument	201700000984
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	MID S TITLE AGENCY, MID AM TITLE AGENCY

Transaction

Amount	Amount on Record
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	505 PALM DR, FINDLAY, OH 45840-1725

Mortgage

Document Number	201700000985
Date	Jan 30, 2017
Instrument	201700000985

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2022
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5.25%
Index	1-Year LIBOR
Max Rate	8.25%

Tax Assessment & Valuation

The 2025 property tax bill for 505 Palm Dr was $3,941 with a homeowner's exemption, up 7.9% from the year before.

Source: Hancock County assessment roll, as of May 29, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Hancock County
County Subdivision	Liberty Township
Unified School District	Liberty-Benton Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,941.00 (+7.85%) Homeowner's exemption	$111,080 (+13%) Land $16,790 Building $94,290	$317,360 Land $47,970 Building $269,390
2024	$3,654.00 (+2.44%)	$98,300 (-) Land $14,860 Building $83,440
2023	$3,567.00 Homeowner's exemption	$98,300 Land $14,860 Building $83,440
2022			$280,850 Land $42,450 Building $238,400

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

FEMA maps place 505 Palm Dr in Zone X, an area of minimal flood risk, though there have been 4 flood claims nearby since 1981.

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
Nearby Flood Policies	1 in force
Nearby Flood Claims	4 (1981–2017)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Jul 2017 · other causes

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

Wildfire risk around 505 Palm Dr is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 262 locations within half a mile, as of December 31, 2025

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

May also be available: Amplex Wireless.

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