515 W Lima St, Findlay, OH 45840 Property Records

Hancock County property record for 515 W Lima St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,985 sqft · built 1920
Lot Size	0.323 acres (14,057 sqft)
Owner	Individual Name on File
Last Sale	$127,000 (Apr 2017)
Tax Bill	$2,149 (2025)
Deeds & Mortgages	May 2024 Second Mortgage May 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-241-14-045.000`

Property Details

APN / Parcel Number

Primary APN	`1010-241-14-045.000`
Alternative APN	`580000239800`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,985 sqft Living Area
1st Floor Area	1,473 sqft
2nd Floor Area	512 sqft
Basement Area	512 sqft
Unfinished Basement	512 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	14,057 sqft (0.323 acres)
Lot Dimensions	213 ft deep x 66 ft wide

Exterior Amenities

Porch	Slab
Porch Area	416 sqft
Deck Area	540 sqft
Patio Area	540 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	515 W LIMA ST
City	FINDLAY
State	OH
Zip	45840-3141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HOWARD O L LOT 13 NW PT 66.26X213FT
Legal Subdivision	HOWARD O L
Legal Lot Number	13
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	3
Census Block	3005
Census Tract	1000

Owner

515 W Lima St is owned and occupied by an individual who bought it in April 2017.

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

Owner of Record	Individual Name on File
Mailing Address	515 W LIMA ST, FINDLAY, OH 45840-3141
Occupancy	Owner Occupied
Owner Type	Individual

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
May 2, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 9, 2022	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 28, 2017	Warranty Deed, Transfer · Line of Credit THE FIRST NATIONAL BANK OF PANDORA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 28, 2017 · Amount on File
Deed Sale	Apr 28, 2017 · Amount on File
Prior Sale	May 2, 1997 · Amount on File
Deed Document Number	20173638
Deed Book / Page	2518 / 600
Prior Transfer Date	May 30, 2012
Prior Transfer Doc	02419/2559
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	515 W LIMA ST, FINDLAY, OH 45840-3141
Transaction Type	Mortgage
Record Updated	May 20, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 W LIMA ST, FINDLAY, OH 45840-3141

Mortgage

Document Number	02610/2525
Date	May 2, 2024
Book Page	2610/2525
Instrument	202400002847

Lender

Name	DISCOVER BANK
Type	Bank
Address	502 E MARKET ST, GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	180 Months
Due	May 2, 2039

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	515 W LIMA ST, FINDLAY, OH 45840-3141
Transaction Type	Mortgage
Record Updated	May 25, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02594/1996
Date	May 9, 2022
Book Page	2594/1996
Instrument	202200004425

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Jun 1, 2037

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Apr 28, 2017
Property Address	515 W LIMA ST, FINDLAY, OH 45840-3141
Document Number	02518/0600
Book / Page	2518 / 0600
Instrument Date	Apr 18, 2017
Instrument	201700003638
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

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	515 W LIMA ST, FINDLAY, OH 45840-3141

Mortgage

Document Number	201700003639
Date	Apr 28, 2017
Instrument	201700003639

Lender

Name	THE FIRST NATIONAL BANK OF PANDORA
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Apr 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 515 W Lima St was $2,149 with a homeowner's exemption, up 8.3% from the year before.

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	$2,149.00 (+8.32%) Homeowner's exemption	$70,100 (+25.49%) Land $11,260 Building $58,840	$200,260 Land $32,160 Building $168,100
2024	$1,984.00 (-0.2%)	$55,860 (-) Land $8,040 Building $47,820
2023	$1,988.00 Homeowner's exemption	$55,860 Land $8,040 Building $47,820
2022			$159,610 Land $22,970 Building $136,640

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 515 W Lima St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1982.

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 Claims	1 (1982)
Most Recent Claim	Apr 1982 · tidal / storm surge

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

The area around 515 W Lima St has no burnable land within ember reach, so its wildfire risk is not rated.

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 485 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
AT&T DSL · Fiber, Fixed Wireless in parts of the area	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies.

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