608 Charles Ave, Findlay, OH 45840 Property Records

Hancock County property record for 608 Charles Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,558 sqft · built 1972
Lot Size	0.22 acres (9,588 sqft)
Owner	Individual Name on File
Last Sale	$137,667 (Jun 2018)
Tax Bill	$1,856 (2025)
Deeds & Mortgages	Jan 2023 Sale & Mortgage Aug 2017 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`1011-071-03-032.000`

Property Details

APN / Parcel Number

Primary APN	`1011-071-03-032.000`
Alternative APN	`570000218250`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	2 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,558 sqft Living Area
1st Floor Area	1,558 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,588 sqft (0.22 acres)
Lot Dimensions	141 ft deep x 68 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	154 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	608 CHARLES AVE
City	FINDLAY
State	OH
Zip	45840-4549
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENWOOD GARDENS SUBDIV LOT 152
Legal Subdivision	GLENWOOD GARDENS SUB
Legal Lot Number	152
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4002
Census Tract	500

Owner

608 Charles Ave is owned and occupied by an individual who bought it in June 2018.

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

Owner of Record	Individual Name on File
Mailing Address	608 CHARLES AVE, FINDLAY, OH 45840-4549
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 18, 2023	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Aug 14, 2017	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 13, 2018	Warranty Deed, Transfer FLAG CITY TITLE AGENCY INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2018 · Amount on File
Deed Sale	Jun 13, 2018 · Amount on File
Prior Sale	Feb 25, 2015 · Amount on File
Deed Document Number	20184790
Deed Book / Page	2539 / 2668
Prior Transfer Date	Jun 30, 2004
Prior Transfer Doc	0000010115
Record Updated	Sep 20, 2026

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 18, 2023
Property Address	608 CHARLES AVE, FINDLAY, OH 45840-4549
Document Number	02600/2711
Book / Page	2600 / 2711
Instrument Date	Jan 13, 2023
Instrument	202300000324
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	PERRYSBURG TITLE

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
Relationship	Right of Survivorship
Address	608 CHARLES AVE, FINDLAY, OH 45840-4549

Mortgage

Document Number	202300000325
Date	Jan 18, 2023
Instrument	202300000325

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2053

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	608 CHARLES AVE, FINDLAY, OH 45840-4549
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2524/0554
Date	Aug 14, 2017
Book Page	2524/0554
Instrument	201700006962

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	608 CHARLES AVE, FINDLAY, OH 45840-4549
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2524/0554
Date	Aug 14, 2017
Book Page	2524/0554
Instrument	201700006962

Lender

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

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jul 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 13, 2018
Property Address	608 CHARLES AVE, FINDLAY, OH 45840-4549
Document Number	02539/2668
Book / Page	2539 / 2668
Instrument Date	Jun 8, 2018
Instrument	201800004790
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	FLAG CITY TITLE AGENCY INC

Transaction

Amount	Amount 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	4601 GINGER TRL, TOLEDO, OH 43623-1041

Tax Assessment & Valuation

The 2025 property tax bill for 608 Charles Ave was $1,856 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	$1,856.00	$60,560 Land $9,040 Building $51,520	$173,030 Land $25,840 Building $147,190
2023	$1,750.00 Homeowner's exemption	$49,210 Land $7,350 Building $41,860
2022			$140,620 Land $21,010 Building $119,610

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 608 Charles Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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

Wildfire risk around 608 Charles Ave is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 330 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 / 50
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100
AT&T Fixed Wireless · DSL · Fiber in parts of the area	100 / 20

May also be available: Amplex Wireless, MetaLINK Technologies, T-Mobile.

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