540 Center St, Findlay, OH 45840 Property Records

Hancock County property record for 540 Center St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,408 sqft · built 1900
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$198,000 (Sep 2025)
Tax Bill	$1,635 (2025)
Deeds & Mortgages	Nov 2023 Sale & Mortgage Oct 2023 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`1011-181-24-024.000`

Property Details

APN / Parcel Number

Primary APN	`1011-181-24-024.000`
Alternative APN	`580000249180`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,408 sqft Living Area
1st Floor Area	974 sqft
2nd Floor Area	364 sqft
Basement Area	364 sqft
Unfinished Basement	364 sqft
Flooring	Carpet
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	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	161 sqft
Deck Area	54 sqft
Patio Area	54 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	540 CENTER ST
City	FINDLAY
State	OH
Zip	45840-5820
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCKEE ADD LOT 2243
Legal Subdivision	MCKEE ADD
Legal Lot Number	2243
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2004
Census Tract	800

Owner

540 Center St is owned and occupied by an individual who bought it in September 2025.

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

Owner of Record	Individual Name on File
Mailing Address	540 CENTER ST, FINDLAY, OH 45840-5820
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Woman, Separate Property

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
Nov 8, 2023	Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit HANCOCK FCU
Jul 20, 2022	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 9, 2025 · Amount on File
Deed Sale	Sep 9, 2025 · Amount on File
Prior Sale	Nov 8, 2023 · Amount on File
Deed Document Number	20257654
Deed Book / Page	2622 / 3174
Prior Transfer Date	Jul 13, 2022
Prior Transfer Doc	02596/2078
Record Updated	Sep 20, 2026

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Nov 8, 2023
Property Address	540 CENTER ST, FINDLAY, OH 45840-5820
Document Number	02606/5681
Book / Page	2606 / 5681
Instrument Date	Nov 6, 2023
Instrument	202300007432
Transaction Type	Transfer
Record Updated	Nov 20, 2023
Title Company	GOLDEN KEY 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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CENTER ST, FINDLAY, OH 45840-5820

Mortgage

Document Number	202300007433
Date	Nov 8, 2023
Instrument	202300007433

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2053

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	540 CENTER ST, FINDLAY, OH 45840-5820
Transaction Type	Mortgage
Record Updated	Oct 24, 2023
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	540 CENTER ST, FINDLAY, OH 45840-5820

Mortgage

Document Number	02606/2286
Date	Oct 10, 2023
Book Page	2606/2286
Instrument	202300006766

Lender

Name	HANCOCK FCU
Type	Credit Union
Address	FINDLAY, OH 45840

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	HANCOCK OH
Recording Date	Jul 20, 2022
Property Address	540 CENTER ST, FINDLAY, OH 45840-5820
Document Number	02596/2078
Book / Page	2596 / 2078
Instrument Date	Jul 12, 2022
Instrument	202200006706
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2025 property tax bill for 540 Center St was $1,635 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	$1,635.00 (+8.71%) Homeowner's exemption	$53,340 (+25.95%) Land $6,530 Building $46,810	$152,390 Land $18,650 Building $133,740
2024	$1,504.00 (-0.13%)	$42,350 (-) Land $5,180 Building $37,170
2023	$1,506.00 (+26.45%) Homeowner's exemption	$42,350 (-) Land $5,180 Building $37,170
2022	$1,191.00 Homeowner's exemption Senior Citizen's exemption	$42,350 Land $5,180 Building $37,170	$121,000 Land $14,800 Building $106,200

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 540 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 540 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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