Hancock County property record for 644 Cherry St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,280 sqft · built 1900 |
| Lot Size | 0.22 acres (9,601 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $1,548 (2025) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Jan 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 1011-181-20-030.000 |
| Primary APN | 1011-181-20-030.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,280 sqft Living Area |
| 1st Floor Area | 1,280 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1900 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 9,601 sqft (0.22 acres) |
| Lot Dimensions | 200 ft deep x 48 ft wide |
| Garage Type | Mixed |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 139 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 644 CHERRY ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-5752 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HULL ADD LOT 8311 |
| Legal Subdivision | HULL ADD |
| Legal Lot Number | 8311 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 800 |
Source: Hancock County records · APN 1011-181-20-030.000
Assessment roll updated May 29, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 644 CHERRY ST, FINDLAY, OH 45840-5752 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 09, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Jan 02, 2018 | Warranty Deed, Transfer · Conventional Mortgage JPMORGAN CHASE BANK NA |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Mar 09, 2023 |
| Deed Sale | Mar 09, 2023 |
| Prior Sale | Jan 02, 2018 |
| Deed Document Number | 20231447 |
| Deed Book / Page | 2601 / 2633 |
| Prior Transfer Date | Sep 17, 2014 |
| Prior Transfer Doc | 02467/2196 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Mar 09, 2023 |
| Property Address | 644 CHERRY ST, FINDLAY, OH 45840-5752 |
| Document Number | 02601/2633 |
| Book / Page | 2601 / 2633 |
| Instrument Date | Mar 07, 2023 |
| Instrument | 202300001447 |
| Transaction Type | Transfer |
| Record Updated | Mar 22, 2023 |
| Title Company | WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 644 CHERRY ST, FINDLAY, OH 45840-5752 |
| Investor | Possibly a Property Investor |
| Document Number | 202300001448 |
|---|---|
| Date | Mar 09, 2023 |
| Instrument | 202300001448 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Jan 02, 2018 |
| Property Address | 644 CHERRY ST, FINDLAY, OH 45840-5752 |
| Document Number | 02531/1503 |
| Book / Page | 2531 / 1503 |
| Instrument Date | Dec 29, 2017 |
| Instrument | 201800000051 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | FLAG CITY TITLE AGENCY INC, FLAG CITY TITLE AGENCY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Document Number | 201800000052 |
|---|---|
| Date | Jan 02, 2018 |
| Instrument | 201800000052 |
| Name | JPMORGAN CHASE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2048 |
Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,548.00 (+8.48%) | $50,450 (+25.9%) Land $6,270 Building $44,180 | $144,140 (+25.9%) Land $17,900 Building $126,240 |
| 2023 | $1,427.00 Homeowner's exemption | $40,070 Land $4,970 Building $35,100 | |
| 2022 | $114,490 Land $14,210 Building $100,280 |
Source: FEMA National Flood Hazard Layer, Hancock County (39063C), updated June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390630008002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 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 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 |
|
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 358 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| AT&T Fiber · DSL · Fixed Wireless in parts of the area | 5,000 / 5,000 |
| Spectrum Cable | 1,000 / 1,000 |
| HDER Link Fixed Wireless | 500 / 500 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| Defiance Holdings Fixed Wireless | 200 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Amplex Electric.
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | FINDLAY CITY PWS serves 54,040 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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