511 Charles Ave, Findlay, OH 45840 Property Records

Hancock County property record for 511 Charles Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1973
Lot Size	0.442 acres (19,262 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Feb 2021)
Tax Bill	$2,084 (2025)
Deeds & Mortgages	Jan 2023 Mortgage Mar 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1011-071-04-013.000`

Property Details

APN / Parcel Number

Primary APN	`1011-071-04-013.000`
Alternative APN	`570000217980`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,260 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Brick
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	19,262 sqft (0.442 acres)
Lot Dimensions	224 ft deep x 86 ft wide
Garage Type	Attached
Garage Area	300 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	216 sqft
Deck Area	336 sqft
Patio Area	336 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	511 CHARLES AVE
City	FINDLAY
State	OH
Zip	45840-4550
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENWOOD GARDENS SUBDIV LOT 125
Legal Subdivision	GLENWOOD GARDENS SUB
Legal Lot Number	125
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4007
Census Tract	500

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	511 CHARLES AVE, FINDLAY, OH 45840-4550
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2023	Deed of Trust, Mortgage · Commercial Mortgage THE UNION BANK CO
Mar 31, 2020	Deed of Trust, Mortgage · Conventional Mortgage THE STATE BANK & TRUST CO
May 18, 2021	Deed of Trust, Mortgage · Line of Credit PREMIER BANK
Feb 24, 2021	Warranty Deed, Transfer MID S TITLE AGENCY, MID AM TITLE AGENCY
Apr 17, 2018	Survivorship Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 9, 2018	Warranty Deed, Transfer · ARM THE CITIZENS NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2021 · Amount on Record
Deed Sale	Feb 24, 2021 · Amount on Record
Prior Sale	Apr 17, 2018 · Amount on Record
Deed Document Number	20212137
Deed Book / Page	2578 / 5950
Record Updated	Sep 20, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02600/2685
Date	Jan 18, 2023
Book Page	2600/2685
Instrument	202300000316

Lender

Name	THE UNION BANK CO
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 30, 2033

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Transaction Type	Mortgage
Record Updated	Sep 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2566/4985
Date	Mar 31, 2020
Book Page	2566/4985
Instrument	202000002710

Lender

Name	THE STATE BANK & TRUST CO
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Apr 1, 2035

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Transaction Type	Mortgage
Record Updated	Sep 20, 2021
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2582/700
Date	May 18, 2021
Book Page	2582/700
Instrument	202100005782

Lender

Name	PREMIER BANK
Type	Bank
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 28, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Feb 24, 2021
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Document Number	2578/5950
Book / Page	2578 / 5950
Instrument Date	Feb 19, 2021
Instrument	202100002137
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	MID S TITLE AGENCY, MID AM 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	511 CHARLES AVE, FINDLAY, OH 45840-4550

April 2018: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 17, 2018
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Document Number	2536/1612
Book / Page	2536 / 1612
Instrument Date	Apr 12, 2018
Instrument	201800002878
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	NOT AVAILABLE, MID AM TITLE

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	511 CHARLES AVE, FINDLAY, OH 45840-4550

Mortgage

Document Number	201800002879
Date	Apr 17, 2018
Instrument	201800002879

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 9, 2018
Property Address	511 CHARLES AVE, FINDLAY, OH 45840-4550
Document Number	2531/2299
Book / Page	2531 / 2299
Instrument Date	Jan 3, 2018
Instrument	201800000222
Transaction Type	Transfer
Record Updated	Sep 20, 2021
Title Company	NOT AVAILABLE, MID AM TITLE

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3329 COUNTY ROAD 86, FINDLAY, OH 45840-9365

Mortgage

Document Number	201800000223
Date	Jan 9, 2018
Instrument	201800000223

Lender

Name	THE CITIZENS NATIONAL BANK
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Type Change Date	Feb 1, 2033
Change Frequency	5 Years
Min Rate At Change	4.87%
Max Rate At Change	10.8%
Index	3-Year CMT
Max Rate	10.8%

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	$2,084.00 (+5.95%)	$68,000 (+22.99%) Land $13,700 Building $54,300	$194,290 (+23%) Land $39,140 Building $155,150
2023	$1,967.00 Homeowner's exemption	$55,290 Land $11,140 Building $44,150
2022			$157,960 Land $31,820 Building $126,140

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

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

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 330 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 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies, T-Mobile.

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