522 Putnam St, Findlay, OH 45840 Property Records

Hancock County property record for 522 Putnam St, Findlay, OH 45840

Property Summary

Property Type	Duplex
Details	3 bd · 2 ba · 1,525 sqft · built 1900
Lot Size	0.228 acres (9,927 sqft)
Owner	Individual Name on Record
Last Sale	$120,000 (Sep 2020)
Tax Bill	$1,121 (2025)
Deeds & Mortgages	Sep 2020 Sale & Mortgage Dec 2006 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1010-134-20-003.000`

Property Details

APN / Parcel Number

Primary APN	`1010-134-20-003.000`
Alternative APN	`600000317010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	4 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,525 sqft Living Area
1st Floor Area	1,045 sqft
2nd Floor Area	480 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Flooring	Brick
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	Mansard
Roof Material	Metal
Lot Area	9,927 sqft (0.228 acres)
Lot Dimensions	136 ft deep x 73 ft wide

Exterior Amenities

Porch	Slab
Porch Area	148 sqft
Deck Area	120 sqft
Patio Area	192 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	522 PUTNAM ST
City	FINDLAY
State	OH
Zip	45840-3321
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	VANCE ADD LOT 781 E23FT & LOT 782
Legal Subdivision	VANCE ADD
Legal Lot Number	781,782
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4003
Census Tract	902

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Findlay Downtown Historic District listed 1985 · 263 contributing resources · NRIS 85000402

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	522 PUTNAM ST, FINDLAY, OH 45840-3321
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2020	Warranty Deed, Transfer · Conventional Mortgage PREMIER BANK
Dec 12, 2006	Warranty Deed, Transfer · ARM NOVASTAR MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2020 · Amount on Record
Deed Sale	Sep 4, 2020 · Amount on Record
Prior Sale	Dec 12, 2006 · Amount on Record
Deed Document Number	20208849
Deed Book / Page	2572 / 4292
Prior Transfer Date	May 8, 2008
Prior Transfer Doc	02341/2243
Record Updated	Sep 20, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Sep 4, 2020
Property Address	522 PUTNAM ST, FINDLAY, OH 45840-3321
Document Number	02572/4292
Book / Page	2572 / 4292
Instrument Date	Sep 4, 2020
Instrument	202000008849
Transaction Type	Transfer
Record Updated	Apr 25, 2022

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	2214 QUAIL LAKE RD, FINDLAY, OH 45840-7182

Mortgage

Document Number	202000008850
Date	Sep 4, 2020
Instrument	202000008850

Lender

Name	PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

December 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 12, 2006
Property Address	522 PUTNAM ST, FINDLAY, OH 45840-3321
Document Number	02309/1030
Book / Page	2309 / 1030
Instrument Date	Dec 8, 2006
Instrument	200600015737
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	GOLDEN KEY 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 PUTNAM ST, FINDLAY, OH 45840-3321
Investor	Possibly a Property Investor

Mortgage

Document Number	200600015738
Date	Dec 12, 2006
Instrument	200600015738

Lender

Name	NOVASTAR MORTGAGE INC
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2037
Prepayment Penalty	36 Months

Interest

Rate Type	Adjustable Rate
Rate	8.3%
Adjustable	Adjustable Rate Rider
Change Frequency	6 Months
Min Rate At Change	8.3%
Max Rate At Change	11.3%
Index	6-Month LIBOR
Max Rate	15.3%

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	$1,121.00 (+18.75%) Homeowner's exemption	$27,730 (+5.64%) Land $5,030 Building $22,700	$79,240 (+5.64%) Land $14,380 Building $64,860
2024	$944.00 (-0.21%)	$26,250 (-) Land $5,030 Building $21,220
2023	$946.00 Homeowner's exemption	$26,250 Land $5,030 Building $21,220
2022			$75,010 Land $14,380 Building $60,630

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 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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