524 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 524 Howard St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,740 sqft · built 1890
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on Record
Last Sale	$120,000 (Jul 2023)
Tax Bill	$1,740 (2025)
Deeds & Mortgages	Jul 2023 Sale Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1010-124-13-017.000`

Property Details

APN / Parcel Number

Primary APN	`1010-124-13-017.000`
Alternative APN	`580000234090`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,740 sqft Living Area
1st Floor Area	1,324 sqft
2nd Floor Area	416 sqft
Basement Area	676 sqft
Unfinished Basement	676 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
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	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Area	720 sqft
Porch	Slab
Porch Area	25 sqft
Deck Area	60 sqft
Patio Area	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	524 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORN ADD LOT 26
Legal Subdivision	HORN ADD
Legal Lot Number	26
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2027
Census Tract	902

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	10964 STATE ROUTE 12, COLUMBUS GROVE, OH 45830-9287
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2023	Warranty Deed, Transfer AAA TITLE AGENCY INC, AREA TITLE AGENCY INC
Dec 11, 2020	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Jun 8, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2023 · Amount on Record
Deed Sale	Jul 7, 2023 · Amount on Record
Prior Sale	Dec 11, 2020 · Amount on Record
Deed Document Number	20234478
Deed Book / Page	2604 / 1593
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jul 7, 2023
Property Address	524 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02604/1593
Book / Page	2604 / 1593
Instrument Date	Apr 20, 2023
Instrument	202300004478
Transaction Type	Transfer
Record Updated	Jul 24, 2023
Title Company	AAA TITLE AGENCY INC, AREA TITLE AGENCY INC

Transaction

Amount	Amount Recorded
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	524 HOWARD ST, FINDLAY, OH 45840-3651

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 11, 2020
Property Address	524 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02576/2210
Book / Page	2576 / 2210
Instrument Date	Dec 10, 2020
Instrument	202000012620
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	524 HOWARD ST, FINDLAY, OH 45840-3651

Mortgage

Document Number	202000012621
Date	Dec 11, 2020
Instrument	202000012621

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

June 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 8, 2018
Property Address	524 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02539/2055
Book / Page	2539 / 2055
Instrument Date	Jun 1, 2018
Instrument	201800004651
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1935 N MAIN ST, FINDLAY, OH 45840-3817

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	$1,740.00 (+13.5%)	$56,780 (+31.77%) Land $6,340 Building $50,440	$162,220 (+31.78%) Land $18,120 Building $144,100
2023	$1,533.00 (+4.29%) Homeowner's exemption	$43,090 (+3.86%) Land $4,810 Building $38,280
2022	$1,470.00 Homeowner's exemption	$41,490 Land $4,810 Building $36,680	$123,100 Land $13,730 Building $109,370

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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