821 Bernard Ave, Findlay, OH 45840 Property Records

Hancock County property record for 821 Bernard Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,544 sqft · built 1955
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$63,000 (Jun 2016)
Tax Bill	$2,280 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`1011-074-06-007.000`

Property Details

APN / Parcel Number

Primary APN	`1011-074-06-007.000`
Alternative APN	`580000250630`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	1 Plumbing Fixture
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,544 sqft Living Area
1st Floor Area	1,336 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1984
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	648 sqft
Porch	Slab
Porch Area	348 sqft
Patio Area	321 sqft

Utilities, Heating & Cooling

Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	821 BERNARD AVE
City	FINDLAY
State	OH
Zip	45840-5501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCMANNESS ADD LOT 8748
Legal Subdivision	MCMANNESS ADD
Legal Lot Number	8748
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	1
Census Block	1003
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	821 BERNARD AVE, FINDLAY, OH 45840-5501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage MILLSTREAM AREA CREDIT UNION
Apr 29, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Dec 29, 2017	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 21, 2016 · Amount on Record
Deed Sale	Jun 21, 2016 · Amount on Record
Deed Document Number	20165251
Deed Book / Page	2501 / 360
Prior Transfer Date	May 16, 2016
Prior Transfer Doc	02501/0360
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Recording Date	Jul 16, 2026
Property Address	821 BERNARD AVE, FINDLAY, OH 45840-5501
Document Number	0000005283
Book / Page	2631 / 264
Instrument Date	Jul 10, 2026
Instrument	20265283
Transaction Type	Mortgage
Record Updated	Jul 27, 2026
Title Company	ASSURED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	821 BERNARD AVE, FINDLAY, OH 45840-5501

Mortgage

Document Number	0000005283,
Date	Jul 16, 2026
Book Page	2631/264
Instrument	20265283

Lender

Name	MILLSTREAM AREA CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 15, 2041

Interest

Rate Type	Fixed Rate
Rate	5.84%
Initial Type	Fixed Rate
Max Rate	-1%

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	821 BERNARD AVE, FINDLAY, OH 45840-5501
Transaction Type	Mortgage
Record Updated	Oct 12, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2581/2860
Date	Apr 29, 2021
Book Page	2581/2860
Instrument	202100005012

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	322 Months
Due	Feb 1, 2048

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	821 BERNARD AVE, FINDLAY, OH 45840-5501
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2531/1158
Date	Dec 29, 2017
Book Page	2531/1158
Instrument	201700010960

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2048

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	$2,280.00 (+17.4%) Homeowner's exemption	$74,260 (+36.03%) Land $6,490 Building $67,770	$212,150 (+36.01%) Land $18,530 Building $193,620
2024	$1,942.00 (-0.15%)	$54,590 (-) Land $4,320 Building $50,270
2023	$1,945.00 Homeowner's exemption	$54,590 Land $4,320 Building $50,270
2022			$155,980 Land $12,350 Building $143,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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	Low lower than 99.1% of the US · lower than 96% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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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