712 Charles Ave, Findlay, OH 45840 Property Records

Hancock County property record for 712 Charles Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,421 sqft · built 1966
Lot Size	0.217 acres (9,448 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,900 (Aug 2026)
Tax Bill	$1,773 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Feb 2007 Second Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`1011-071-03-040.000`

Property Details

APN / Parcel Number

Primary APN	`1011-071-03-040.000`
Alternative APN	`570000218450`

Interior

Bedrooms	3 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	1,421 sqft Living Area
1st Floor Area	1,421 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1966
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	9,448 sqft (0.217 acres)
Lot Dimensions	135 ft deep x 70 ft wide
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	90 sqft
Patio Area	440 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	712 CHARLES AVE
City	FINDLAY
State	OH
Zip	45840-4515
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GLENWOOD GARDENS SUBSUB LOT 8
Legal Subdivision	GLENWOOD GARDENS SUBSUB
Legal Lot Number	8
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	4
Census Block	4002
Census Tract	500

Owner

Source: Hancock County records, as of August 27, 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 Record
Mailing Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Remainderman

Deeds, Mortgages & Sale History

Date	Document
Aug 19, 2026	Warranty Deed, Transfer · Conventional Mortgage LOANDEPOT.COM LLC
Feb 26, 2007	Deed of Trust, Mortgage · Stand-Alone Second Mortgage COUNTRYWIDE BANK NA
May 4, 2015	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Jun 27, 2017	Warranty Deed, Transfer · Conventional Mortgage ASSURED TITLE, ASSURED TITLE AGENCY
Jun 27, 2017	Warranty Deed, Transfer · Conventional Mortgage QUICKEN LOANS INC
Feb 26, 2007	Intrafamily Transfer, Transfer · ARM COUNTRYWIDE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 19, 2026 · Amount on Record
Deed Sale	Aug 19, 2026 · Amount on Record
Prior Sale	Jun 27, 2017 · Amount on Record
Deed Document Number	20266260
Deed Book / Page	2632 / 128
Prior Transfer Date	Dec 29, 2006
Prior Transfer Doc	02313/1151
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Aug 19, 2026
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Document Number	0000006260
Book / Page	2632 / 128
Instrument Date	Aug 12, 2026
Instrument	20266260
Transaction Type	Transfer
Record Updated	Aug 27, 2026
Title Company	FLAG CITY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$59,963.70
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman
Address	712 CHARLES AVE, FINDLAY, OH 45840-4515

Mortgage

Document Number	0000006261,
Date	Aug 19, 2026
Instrument	20266261

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

February 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Transaction Type	Mortgage
Record Updated	Jun 9, 2026
Title Company	TRIDENT TITLE INSURANCE AGENCY, TRIDENT TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02313/1174
Date	Feb 26, 2007
Book Page	2313/1174
Instrument	200700001974

Lender

Name	COUNTRYWIDE BANK NA
Type	Bank
Address	ALEXANDRIA, VA 22314

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Jan 1, 2022

May 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	02478/1801
Date	May 4, 2015
Book Page	2478/1801
Instrument	201500003444

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 25, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 27, 2017
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Document Number	2521/1459
Book / Page	2521 / 1459
Instrument Date	Jun 23, 2017
Instrument	201700005482
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 CHARLES AVE, FINDLAY, OH 45840-4515

Mortgage

Document Number	, 201700005483
Date	Jun 27, 2017
Instrument	201700005483

Lender

Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 27, 2017
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Document Number	02521/1459
Book / Page	2521 / 1459
Instrument Date	Jun 23, 2017
Instrument	201700005482
Transaction Type	Transfer
Record Updated	Apr 25, 2022
Title Company	ASSURED TITLE, ASSURED TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	712 CHARLES AVE, FINDLAY, OH 45840-4515

Mortgage

Document Number	201700005483
Date	Jun 27, 2017
Instrument	201700005483

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

February 2007: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	HANCOCK OH
Recording Date	Feb 26, 2007
Property Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Document Number	02313/1151
Book / Page	2313 / 1151
Instrument Date	Dec 29, 2006
Instrument	200700001972
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	TRIDENT TITLE INSURANCE AGENCY, TRIDENT TITLE AGENCY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	712 CHARLES AVE, FINDLAY, OH 45840-4515

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	712 CHARLES AVE, FINDLAY, OH 45840-4515
Investor	Possibly a Property Investor

Mortgage

Document Number	200700001973
Date	Feb 26, 2007
Instrument	200700001973

Lender

Name	COUNTRYWIDE BANK NA
Type	Bank

Agreement

Type	ARM
Amount	Amount Recorded
Term	359 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.2%
Index	1-Year LIBOR

Tax Assessment & Valuation

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	$1,773.00 (+6.23%) Homeowner's exemption	$57,840 (+23.04%) Land $9,220 Building $48,620	$165,250 (+23.05%) Land $26,350 Building $138,900
2024	$1,669.00 (-0.18%)	$47,010 (-) Land $7,500 Building $39,510
2023	$1,672.00 Homeowner's exemption	$47,010 Land $7,500 Building $39,510
2022			$134,300 Land $21,420 Building $112,880

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

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

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.

Nearby Properties on Charles Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures