520 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 520 Howard St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,289 sqft · built 1900
Lot Size	0.202 acres (8,799 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Sep 2019)
Tax Bill	$1,638 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-124-13-018.000`

Property Details

APN / Parcel Number

Primary APN	`1010-124-13-018.000`
Alternative APN	`580000234100`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,289 sqft Living Area
1st Floor Area	857 sqft
Basement Area	809 sqft
Unfinished Basement	809 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	200 ft deep x 44 ft wide
Terrain	High
Garage Area	572 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	354 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	520 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORN ADD LOT 27
Legal Subdivision	HORN ADD
Legal Lot Number	27
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2027
Census Tract	902

Owner

520 Howard St is owned and occupied by an individual who bought it in September 2019.

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

Owner of Record	Individual Name on File
Mailing Address	520 HOWARD ST, FINDLAY, OH 45840-3651
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2019 · Amount on File
Deed Sale	Sep 11, 2019 · Amount on File
Prior Sale	Nov 3, 2005 · Amount on File
Deed Document Number	20197785
Deed Book / Page	2561 / 1472
Prior Transfer Date	Apr 5, 2010
Prior Transfer Doc	02375/1254
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 11, 2019
Property Address	520 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02561/1472
Book / Page	2561 / 1472
Instrument Date	Sep 6, 2019
Instrument	201900007785
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
Address	520 HOWARD ST, FINDLAY, OH 45840-3651

Mortgage

Document Number	201900007786
Date	Sep 11, 2019
Instrument	201900007786

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 520 Howard St was $1,638 with a homeowner's exemption, up 13.8% 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	$1,638.00 (+13.75%) Homeowner's exemption	$53,440 (+31.76%) Land $6,340 Building $47,100	$152,690 Land $18,120 Building $134,570
2024	$1,440.00 (-0.21%)	$40,560 (-) Land $4,810 Building $35,750
2023	$1,443.00 Homeowner's exemption	$40,560 Land $4,810 Building $35,750
2022			$115,860 Land $13,730 Building $102,130

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 520 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes

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 520 Howard 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 142 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
Watch TV Fixed Wireless	400 / 40

May also be available: MetaLINK Technologies, Verizon.

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