818 Bernard Ave, Findlay, OH 45840 Property Records

Hancock County property record for 818 Bernard Ave, Findlay, OH 45840

Property Summary

Property Type	Duplex
Details	4 bd · 3 ba · 2,512 sqft · built 1995
Lot Size	0.266 acres (11,600 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Nov 2019)
Tax Bill	$2,819 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jan 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-074-02-023.000`

Property Details

APN / Parcel Number

Primary APN	`1011-074-02-023.000`
Alternative APN	`580000250860`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,512 sqft Living Area
1st Floor Area	1,232 sqft
2nd Floor Area	1,280 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	11,600 sqft (0.266 acres)
Lot Dimensions	200 ft deep x 58 ft wide
Garage Type	Attached
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	24 sqft
Patio Area	560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	818 BERNARD AVE
City	FINDLAY
State	OH
Zip	45840-5502
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	MCMANNESS ADD LOT 8807 & PT ALY
Legal Subdivision	MCMANNESS ADD
Legal Lot Number	8807
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1000
Census Tract	600

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2347 TOWNSHIP ROAD 254, ARCADIA, OH 44804-9755
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 21, 2022	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK NA
Jan 6, 2020	Transfer on Death Deed, Transfer
Nov 13, 2019	Warranty Deed, Transfer · Conventional Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2019 · Amount on Record
Deed Sale	Nov 13, 2019 · Amount on Record
Prior Sale	Sep 11, 1992 · Amount on Record
Deed Document Number	20199899
Deed Book / Page	2563 / 642
Record Updated	Sep 20, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	818 BERNARD AVE, FINDLAY, OH 45840-5502
Transaction Type	Mortgage
Record Updated	Mar 30, 2022
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	02592/4324
Date	Mar 21, 2022
Book Page	2592/4324
Instrument	202200002532

Lender

Name	FIFTH THIRD BANK NA
Type	Bank
Address	CINCINNATI, OH 45227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 1, 2037

January 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	HANCOCK OH
Recording Date	Jan 6, 2020
Property Address	818 BERNARD AVE, FINDLAY, OH 45840-5502
Document Number	02564/3288
Book / Page	2564 / 3288
Instrument Date	Jan 3, 2020
Instrument	202000000111
Transaction Type	Transfer
Record Updated	Apr 25, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	00000

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Nov 13, 2019
Property Address	818 BERNARD AVE, FINDLAY, OH 45840-5502
Document Number	02563/0642
Book / Page	2563 / 0642
Instrument Date	Nov 4, 2019
Instrument	201900009899
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	2347 TOWNSHIP ROAD 254, ARCADIA, OH 44804-9755

Mortgage

Document Number	201900009900
Date	Nov 13, 2019
Instrument	201900009900

Lender

Name	FIFTH THIRD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

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	$2,819.00 (+17.61%)	$89,620 (+36.49%) Land $7,530 Building $82,090	$256,040 (+36.5%) Land $21,500 Building $234,540
2023	$2,397.00	$65,660 Land $5,020 Building $60,640
2022			$187,580 Land $14,330 Building $173,250

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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 499 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet 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
Watch TV Fixed Wireless	400 / 40
Verizon Fixed Wireless	300 / 20
HDER Link Fixed Wireless	100 / 100

May also be available: Amplex Wireless, MetaLINK Technologies.

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