704 Charles Ave, Findlay, OH 45840 Property Records

Hancock County property record for 704 Charles Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,973 sqft · built 1964
Lot Size	0.234 acres (10,202 sqft)
Owner	2 Individual Names on File
Last Sale	$110,000 (Dec 2019)
Tax Bill	$2,033 (2025)
Deeds & Mortgages	Nov 2021 Mortgage Oct 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-071-03-038.000`

Property Details

APN / Parcel Number

Primary APN	`1011-071-03-038.000`
Alternative APN	`570000218430`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,973 sqft Living Area
1st Floor Area	1,973 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1964
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,202 sqft (0.234 acres)
Lot Dimensions	136 ft deep x 75 ft wide
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	112 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	704 CHARLES AVE
City	FINDLAY
State	OH
Zip	45840-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENWOOD GARDENS SUBSUB LOT 6
Legal Subdivision	GLENWOOD GARDENS SUBSUB
Legal Lot Number	6
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4002
Census Tract	500

Owner

704 Charles Ave is owned and occupied by two individuals who bought it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	704 CHARLES AVE, FINDLAY, OH 45840-4515
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
Nov 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Oct 7, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 6, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN LOAN MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on File
Deed Sale	Dec 6, 2019 · Amount on File
Prior Sale	Jul 21, 2010 · Amount on File
Deed Document Number	201910677
Deed Book / Page	2563 / 4763
Record Updated	Sep 20, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	704 CHARLES AVE, FINDLAY, OH 45840-4515
Transaction Type	Mortgage
Record Updated	Nov 17, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2588/3409
Date	Nov 3, 2021
Book Page	2588/3409
Instrument	202100012754

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2051

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	704 CHARLES AVE, FINDLAY, OH 45840-4515
Transaction Type	Mortgage
Record Updated	Oct 18, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2587/4050
Date	Oct 7, 2021
Book Page	2587/4050
Instrument	202100011757

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Dec 6, 2019
Property Address	704 CHARLES AVE, FINDLAY, OH 45840-4515
Document Number	02563/4763
Book / Page	2563 / 4763
Instrument Date	Dec 2, 2019
Instrument	201900010677
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY

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	704 CHARLES AVE, FINDLAY, OH 45840-4515

Mortgage

Document Number	201900010678
Date	Dec 6, 2019
Instrument	201900010678

Lender

Name	AMERICAN LOAN MORTGAGE CORP

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 704 Charles Ave was $2,033 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	$2,033.00	$66,320 Land $9,880 Building $56,440	$189,490 Land $28,230 Building $161,260
2023	$1,918.00 Homeowner's exemption	$53,910 Land $8,030 Building $45,880
2022			$154,040 Land $22,950 Building $131,090

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 704 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 704 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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