528 Center St, Findlay, OH 45840 Property Records

Hancock County property record for 528 Center St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 2,056 sqft · built 1904
Lot Size	0.427 acres (18,600 sqft)
Owner	Individual Name on File
Last Sale	$153,000 (Feb 2019)
Tax Bill	$2,495 (2025)
Deeds & Mortgages	Feb 2019 Sale & Mortgage
Flood Zone	Zone AE (high risk)
APN	`1011-181-24-022.000`

Property Details

APN / Parcel Number

Primary APN	`1011-181-24-022.000`
Alternative APN	`580000244450`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	2,056 sqft Living Area
1st Floor Area	1,292 sqft
2nd Floor Area	680 sqft
Upper Floors Area	680 sqft
Basement Area	680 sqft
Unfinished Basement	680 sqft
Flooring	Brick
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1904
Effective Year Built	Effective 1989
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	18,600 sqft (0.427 acres)
Lot Dimensions	200 ft deep x 93 ft wide
Garage Type	Detached
Garage Area	456 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	166 sqft
Patio Area	100 sqft
Balcony Area	144 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	528 CENTER ST
City	FINDLAY
State	OH
Zip	45840-5820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	KINSINGER ADD LOT 4230-4231
Legal Subdivision	KINSINGER ADD
Legal Lot Number	4230
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2004
Census Tract	800

Owner

528 Center St is owned and occupied by an individual who bought it in February 2019.

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

Owner of Record	Individual Name on File
Mailing Address	528 CENTER ST, FINDLAY, OH 45840-5820
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	Feb 5, 2019 · Amount on File
Deed Sale	Feb 5, 2019 · Amount on File
Prior Sale	Aug 13, 2002 · Amount on File
Deed Document Number	2019883
Deed Book / Page	2552 / 51
Prior Transfer Date	Aug 2, 2013
Prior Transfer Doc	02447/1509
Record Updated	Sep 20, 2026

February 2019: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	HANCOCK OH
Recording Date	Feb 5, 2019
Property Address	528 CENTER ST, FINDLAY, OH 45840-5820
Document Number	02552/0051
Book / Page	2552 / 0051
Instrument Date	Feb 1, 2019
Instrument	201900000883
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	MID S TITLE AGENCY, MID AM TITLE AGENCY

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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 CENTER ST, FINDLAY, OH 45840-5820

Mortgage

Document Number	201900000884
Date	Feb 5, 2019
Instrument	201900000884

Lender

Name	HANCOCK FCU
Type	Credit Union

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 528 Center St was $2,495 with a homeowner's exemption, up 8.7% 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	$2,495.00 (+8.71%) Homeowner's exemption	$81,400 (+25.97%) Land $10,320 Building $71,080	$232,570 Land $29,480 Building $203,090
2024	$2,295.00 (-0.17%)	$64,620 (-) Land $8,190 Building $56,430
2023	$2,299.00 Homeowner's exemption	$64,620 Land $8,190 Building $56,430
2022			$184,620 Land $23,400 Building $161,220

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 528 Center St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

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 File median of 32 policies
Nearby Flood Policies	32 in force
Nearby Flood Claims	230 (1981–2017)
Claims Outside the SFHA	11 of 230
Most Recent Claim	Jul 2017 · rainfall accumulation
Claims by Event	Severe Storms, Flooding, And Tornadoes, Aug 2007 · 110 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

The area around 528 Center 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 269 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
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: MetaLINK Technologies.

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