823 Bernard Ave, Findlay, OH 45840 Property Records

Hancock County property record for 823 Bernard Ave, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,434 sqft · built 1955
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Jun 2022)
Tax Bill	$1,832 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`1011-074-06-006.000`

Property Details

APN / Parcel Number

Primary APN	`1011-074-06-006.000`
Alternative APN	`580000250640`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Plumbing Fixtures	1 Plumbing Fixture
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,434 sqft Living Area
1st Floor Area	1,434 sqft
Basement Area	912 sqft
Unfinished Basement	912 sqft
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
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	880 sqft
Parking Spaces	3 Parking Spaces
Porch	Slab
Porch Area	572 sqft
Balcony Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	823 BERNARD AVE
City	FINDLAY
State	OH
Zip	45840-5501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	MCMANNESS ADD LOT 8749
Legal Subdivision	MCMANNESS ADD
Legal Lot Number	8749
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	823 BERNARD AVE, FINDLAY, OH 45840-5501
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Deed Document Number	20225188
Deed Book / Page	2595 / 89
Prior Transfer Date	Nov 18, 2006
Prior Transfer Doc	002308/705
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HANCOCK OH
Recording Date	Jun 1, 2022
Property Address	823 BERNARD AVE, FINDLAY, OH 45840-5501
Document Number	0002595/89
Book / Page	2595 / 89
Instrument Date	May 21, 2022
Instrument	202200005188
Transaction Type	Transfer
Record Updated	Jun 27, 2022
Title Company	FLAG CITY TITLE AGENCY INC

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	823 BERNARD AVE, FINDLAY, OH 45840-5501

Mortgage

Document Number	202200005189
Date	Jun 1, 2022
Instrument	202200005189

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2052

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	$1,832.00 (+18.04%) Homeowner's exemption	$59,750 (+36.73%) Land $6,490 Building $53,260	$170,700 (+36.72%) Land $18,530 Building $152,170
2024	$1,552.00 (-0.19%)	$43,700 (-) Land $4,320 Building $39,380
2023	$1,555.00 Homeowner's exemption	$43,700 Land $4,320 Building $39,380
2022			$124,850 Land $12,350 Building $112,500

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	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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