522 Charles Ave, Findlay, OH 45840 Property Records

Hancock County property record for 522 Charles Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,249 sqft · built 1972
Lot Size	0.307 acres (13,360 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Aug 2026)
Tax Bill	$2,014 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2025 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-071-03-029.000`

Property Details

APN / Parcel Number

Primary APN	`1011-071-03-029.000`
Alternative APN	`570000218220`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,249 sqft Living Area
1st Floor Area	1,249 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Brick
Roof Type	Gable
Roof Material	Shingle
Lot Area	13,360 sqft (0.307 acres)
Lot Dimensions	183 ft deep x 73 ft wide
Garage Type	Attached
Garage Area	350 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	100 sqft
Patio Area	832 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	522 CHARLES AVE
City	FINDLAY
State	OH
Zip	45840-4551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENWOOD GARDENS SUBDIV LOT 149
Legal Subdivision	GLENWOOD GARDENS SUB
Legal Lot Number	149
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4002
Census Tract	500

Owner

Source: Hancock County records, as of August 13, 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	2 Individual Names on Record
Mailing Address	522 CHARLES AVE, FINDLAY, OH 45840-4551
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Oct 16, 2025	Deed of Trust, Mortgage · Line of Credit THE UNION BANK CO
Aug 7, 2019	Deed of Trust, Mortgage · Commercial Mortgage FIRST FEDERAL BANK OF THE MIDWEST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 5, 2026 · Amount on Record
Deed Sale	Aug 5, 2026 · Amount on Record
Prior Sale	May 25, 2007 · Amount on Record
Deed Document Number	20265913
Deed Book / Page	2631 / 4241
Prior Transfer Date	Aug 13, 2003
Prior Transfer Doc	0000016746
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 5, 2026
Property Address	522 CHARLES AVE, FINDLAY, OH 45840-4551
Document Number	0000005913
Book / Page	2631 / 4241
Instrument Date	Aug 3, 2026
Instrument	20265913
Transaction Type	Transfer
Record Updated	Aug 13, 2026
Title Company	FLAG CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,205.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	522 CHARLES AVE, FINDLAY, OH 45840-4551

Mortgage

Document Number	0000005914,
Date	Aug 5, 2026
Instrument	20265914

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.49%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	522 CHARLES AVE, FINDLAY, OH 45840-4551
Transaction Type	Mortgage
Record Updated	Oct 24, 2025
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02623/3049
Date	Oct 16, 2025
Book Page	2623/3049
Instrument	202500008612

Lender

Name	THE UNION BANK CO
Type	Bank
Address	1500 BRIGHT RD, FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Oct 30, 2035

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	522 CHARLES AVE, FINDLAY, OH 45840-4551
Transaction Type	Mortgage
Record Updated	Aug 27, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2560/0972
Date	Aug 7, 2019
Book Page	2560/0972
Instrument	201900006486

Lender

Name	FIRST FEDERAL BANK OF THE MIDWEST
Type	Bank
Address	DEFIANCE, OH 43512

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,014.00 (+6%)	$65,690 (+23.04%) Land $11,120 Building $54,570	$187,700 (+23.03%) Land $31,780 Building $155,920
2023	$1,900.00 Homeowner's exemption	$53,390 Land $9,040 Building $44,350
2022			$152,560 Land $25,840 Building $126,720

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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