512 Center St, Findlay, OH 45840 Property Records

Hancock County property record for 512 Center St, Findlay, OH 45840

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,516 sqft · built 1900
Lot Size	0.225 acres (9,801 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Apr 2022)
Tax Bill	$1,376 (2025)
Deeds & Mortgages	Dec 2022 Mortgage Apr 2022 Sale & Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`1011-181-24-018.000`

Property Details

APN / Parcel Number

Primary APN	`1011-181-24-018.000`
Alternative APN	`590000271610`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,516 sqft Living Area
1st Floor Area	928 sqft
2nd Floor Area	588 sqft
Upper Floors Area	588 sqft
Basement Area	928 sqft
Unfinished Basement	928 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Architectural Style	Duplex Single
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,801 sqft (0.225 acres)
Lot Dimensions	200 ft deep x 49 ft wide
Porch	Slab
Porch Area	320 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	512 CENTER ST
City	FINDLAY
State	OH
Zip	45840-5820
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	PALMERS ADD LOT 16784
Legal Subdivision	PALMERS ADD
Legal Lot Number	16784
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2004
Census Tract	800

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	512 CENTER ST, FINDLAY, OH 45840-5820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 7, 2022	Deed of Trust, Mortgage · Commercial Mortgage HANCOCK FCU
Apr 6, 2022	Warranty Deed, Transfer · Conventional Mortgage FILO MORTGAGE LLC
Oct 4, 2021	Survivorship Deed, Transfer · Commercial Mortgage THE FIRST NATIONAL BANK OF PANDORA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2022 · Amount on Record
Deed Sale	Apr 6, 2022 · Amount on Record
Prior Sale	Oct 4, 2021 · Amount on Record
Deed Document Number	20223220
Deed Book / Page	2593 / 1828
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	512 CENTER ST, FINDLAY, OH 45840-5820
Transaction Type	Mortgage
Record Updated	Dec 16, 2022
Title Company	WHITMAN TITLE SECURITY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4217 N MAIN ST, FINDLAY, OH 45840-7218

Mortgage

Document Number	02599/3785
Date	Dec 7, 2022
Book Page	2599/3785
Instrument	202200010589

Lender

Name	HANCOCK FCU
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 6, 2022
Property Address	512 CENTER ST, FINDLAY, OH 45840-5820
Document Number	02593/1828
Book / Page	2593 / 1828
Instrument Date	Mar 25, 2022
Instrument	202200003220
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TILTE SECURITY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	512 CENTER ST, FINDLAY, OH 45840-5820

Mortgage

Document Number	202200003221
Date	Apr 6, 2022
Instrument	202200003221

Lender

Name	FILO MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2052

October 2021: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 4, 2021
Property Address	512 CENTER ST, FINDLAY, OH 45840-5820
Document Number	2587/2924
Book / Page	2587 / 2924
Instrument Date	Sep 30, 2021
Instrument	202100011568
Transaction Type	Transfer
Record Updated	Oct 14, 2021
Title Company	GOLDEN KEY TITLE AGENCY

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	636 EDITH AVE, FINDLAY, OH 45840-2730

Mortgage

Document Number	202100011569
Date	Oct 4, 2021
Instrument	202100011569

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Sep 30, 2041

Interest

Rate Type	Adjustable Rate

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	$1,376.00 (+9.03%)	$44,310 (+26.53%) Land $6,390 Building $37,920	$126,620 (+26.57%) Land $18,270 Building $108,350
2023	$1,262.00 Homeowner's exemption	$35,020 Land $5,080 Building $29,940
2022			$100,040 Land $14,500 Building $85,540

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
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 269 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: MetaLINK Technologies.

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