522 W Front St, Findlay, OH 45840 Property Records

Hancock County property record for 522 W Front St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,280 sqft · built 2003
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$164,000 (Jun 2026)
Tax Bill	$1,430 (2025)
Deeds & Mortgages	Sep 2012 Line of Credit Jun 2026 Sale & Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`1010-134-08-030.000`

Property Details

APN / Parcel Number

Primary APN	`1010-134-08-030.000`
Alternative APN	`600000315840`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,280 sqft Living Area
1st Floor Area	864 sqft
2nd Floor Area	416 sqft
Basement Area	760 sqft
Unfinished Basement	760 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	268 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	233 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	522 W FRONT ST
City	FINDLAY
State	OH
Zip	45840-3449
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	VANCE ADD LOT 685
Legal Subdivision	VANCE ADD
Legal Lot Number	685
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1032
Census Tract	901

Owner

Source: Hancock County records, as of June 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	522 W FRONT ST, FINDLAY, OH 45840-3449
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2012	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 8, 2026	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jun 8, 2026	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 19, 2006	Warranty Deed, Transfer SKY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on Record
Deed Sale	Jun 8, 2026 · Amount on Record
Prior Sale	Oct 19, 2006 · Amount on Record
Deed Document Number	20264149
Deed Book / Page	2629 / 5040
Record Updated	Oct 29, 2026

September 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	522 W FRONT ST, FINDLAY, OH 45840-3449
Transaction Type	Mortgage
Record Updated	Jun 18, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02425/2102
Date	Sep 5, 2012
Book Page	2425/2102
Instrument	201200009145

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43229

Agreement

Type	Line of Credit
Amount	Amount Recorded

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 8, 2026
Property Address	522 W FRONT ST, FINDLAY, OH 45840-3449
Document Number	0000004149
Book / Page	2629 / 5040
Instrument Date	Jun 1, 2026
Instrument	20264149
Transaction Type	Transfer
Record Updated	Jun 15, 2026
Title Company	FLAG CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,692.00
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 W FRONT ST, FINDLAY, OH 45840-3449

Mortgage

Document Number	0000004150,
Date	Jun 8, 2026
Instrument	20264150

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 8, 2026
Property Address	522 W FRONT ST, FINDLAY, OH 45840-3449
Document Number	02629/5040
Book / Page	2629 / 5040
Instrument Date	Jun 1, 2026
Instrument	20264149
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FLAG CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$49,692.00
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 W FRONT ST, FINDLAY, OH 45840-3449

Mortgage

Document Number	0000004150,
Date	Jun 8, 2026
Instrument	20264150

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Max Rate	-1%

October 2006: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Oct 19, 2006
Property Address	522 W FRONT ST, FINDLAY, OH 45840-3449
Document Number	02305/2604
Book / Page	2305 / 2604
Instrument Date	Oct 17, 2006
Instrument	200600013581
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	ASSURED TITLE, ASSURED 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
Address	522 W FRONT ST, FINDLAY, OH 45840-3449

Mortgage

Document Number	200600013582
Date	Oct 19, 2006
Instrument	200600013582

Lender

Name	SKY BANK
Type	Bank

Agreement

Amount	Amount Recorded
Term	181 Months
Due	Nov 1, 2021

Mortgage

Document Number	02305/2610
Date	Oct 19, 2006
Book Page	2305/2610
Instrument	200600013583

Lender

Name	SKY BANK
Type	Bank
Address	10 E MAIN ST, SALINEVILLE, OH 43945

Agreement

Amount	Amount Recorded

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	$1,430.00 (+12.07%) Homeowner's exemption	$46,620 (+29.82%) Land $5,320 Building $41,300	$133,220 (+29.86%) Land $15,210 Building $118,010
2024	$1,276.00 (-0.16%)	$35,910 (-) Land $4,100 Building $31,810
2023	$1,278.00 Homeowner's exemption	$35,910 Land $4,100 Building $31,810
2022			$102,590 Land $11,700 Building $90,890

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 38 policies
Nearby Flood Policies	38 in force
Nearby Flood Claims	10 (2007–2017)
Most Recent Claim	Jul 2017 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 4 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 284 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20

May also be available: AT&T, HDER Link, MetaLINK Technologies.

Nearby Properties on W Front St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures