528 Howard St, Findlay, OH 45840 Property Records

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

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,092 sqft · built 1900
Lot Size	0.202 acres (8,799 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,139 (2025)
Deeds & Mortgages	Jan 2026 Line of Credit Dec 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`1010-124-13-016.000`

Property Details

APN / Parcel Number

Primary APN	`1010-124-13-016.000`
Alternative APN	`580000234080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
1st Floor Area	828 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1900
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 Type	Attached
Garage Area	240 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Slab
Porch Area	100 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	528 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-3651
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HORN ADD LOT 25
Legal Subdivision	HORN ADD
Legal Lot Number	25
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2027
Census Tract	902

Owner

528 Howard St is owned and occupied by two individuals.

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

Owner of Record	2 Individual Names on File
Mailing Address	528 HOWARD ST, FINDLAY, OH 45840-3651
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

Date	Document
Jan 5, 2026	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 7, 2022	Quit Claim Deed, Transfer Quitclaim
Sep 26, 2022	Certificate of Transfer, Transfer
Mar 22, 2022	Intrafamily Transfer, Transfer
Nov 30, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	528 HOWARD ST, FINDLAY, OH 45840-3651
Transaction Type	Mortgage
Record Updated	Jan 15, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 HOWARD ST, FINDLAY, OH 45840-3651

Mortgage

Document Number	02625/3992
Date	Jan 5, 2026
Book Page	2625/3992
Instrument	202600000008

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	5555 CLEVELAND AVE, COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Term	359 Months
Due	Dec 19, 2055

Interest

Change Frequency	Monthly

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 7, 2022
Property Address	528 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02599/3953
Book / Page	2599 / 3953
Instrument Date	Dec 2, 2022
Instrument	202200010622
Transaction Type	Transfer
Record Updated	Dec 16, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	528 HOWARD ST, FINDLAY, OH 45840-3651

September 2022: Certificate of Transfer, Transfer

Document Type	Certificate of Transfer
Jurisdiction	HANCOCK OH
Recording Date	Sep 26, 2022
Property Address	528 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	002598/771
Book / Page	2598 / 771
Instrument Date	Sep 20, 2022
Instrument	202200008798
Transaction Type	Transfer
Record Updated	Oct 4, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2504 WESTMOOR RD, FINDLAY, OH 45840-2850

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Mar 22, 2022
Property Address	528 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02592/4685
Book / Page	2592 / 4685
Instrument Date	Mar 21, 2022
Instrument	202200002607
Transaction Type	Transfer
Record Updated	Apr 19, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	HANCOCK OH
Recording Date	Nov 30, 2022
Property Address	528 HOWARD ST, FINDLAY, OH 45840-3651
Document Number	02599/2636
Book / Page	2599 / 2636
Instrument Date	Mar 16, 2022
Instrument	202200010368
Transaction Type	Transfer
Record Updated	Dec 12, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2504 WESTMOOR RD, FINDLAY, OH 45840-2850

Tax Assessment & Valuation

The 2025 property tax bill for 528 Howard St was $1,139 with a homeowner's exemption.

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	$1,139.00	$37,160 Land $6,340 Building $30,820	$106,180 Land $18,120 Building $88,060
2023	$1,001.00 Homeowner's exemption	$28,160 Land $4,810 Building $23,350
2022			$80,440 Land $13,730 Building $66,710

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 528 Howard St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 File 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

The area around 528 Howard 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 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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