Hancock County property record for 838 3rd St, Findlay, OH 45840 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,490 sqft · built 1946 |
| Lot Size | 1 acres (43,691 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $120,000 (Nov 2018) |
| Tax Bill | $1,914 (2025) |
| Deeds & Mortgages | Jul 2023 Second Mortgage Aug 2022 Mortgage + 3 more |
| Flood Zone | Zone AE (high risk) |
| APN | 1011-194-20-003.000 |
| Primary APN | 1011-194-20-003.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 2 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,490 sqft Living Area |
| 1st Floor Area | 772 sqft |
| 2nd Floor Area | 664 sqft |
| Basement Area | 332 sqft |
| Unfinished Basement | 332 sqft |
| Flooring | Tile |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1946 |
|---|---|
| Effective Year Built | Effective 1946 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 43,691 sqft (1 acres) |
| Lot Dimensions | 209 ft deep x 209 ft wide |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 376 sqft |
| Balcony Area | 18 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 838 3RD ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-6168 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LEISER ADD LOT 5646-5649 & 5594-5597 E 31.75 FT & ALY N & ST E |
| Legal Subdivision | LEISER ADD |
| Legal Lot Number | 5594 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 1100 |
Source: Hancock County records · APN 1011-194-20-003.000
Assessment roll updated May 29, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 07, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage PENNYMAC LOAN SERVICES LLC |
| Aug 16, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Feb 11, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Dec 14, 2018 | Deed of Trust, Mortgage · FHA Mortgage POLARIS HOME FUNDING CORP |
| Nov 16, 2018 | Warranty Deed, Transfer · FHA Mortgage POLARIS HOME FUNDING CORP |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Nov 16, 2018 · Amount on Record |
| Deed Sale | Nov 16, 2018 · Amount on Record |
| Deed Document Number | 20189535 |
| Deed Book / Page | 2548 / 1090 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2023 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Document Number | 02604/1578 |
|---|---|
| Date | Jul 07, 2023 |
| Book Page | 2604/1578 |
| Instrument | 202300004473 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 329 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Document Number | 002597/759 |
|---|---|
| Date | Aug 16, 2022 |
| Book Page | 2597/759 |
| Instrument | 202200007607 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 340 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Transaction Type | Mortgage |
| Record Updated | Feb 23, 2022 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Document Number | 02591/3769 |
|---|---|
| Date | Feb 11, 2022 |
| Book Page | 2591/3769 |
| Instrument | 202200001245 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 346 Months |
| Due | Dec 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Transaction Type | Mortgage |
| Record Updated | Feb 07, 2021 |
| Title Company | WOLPH TITLE INC |
| Name | Verified Name |
|---|
| Document Number | 2549/2035 |
|---|---|
| Date | Dec 14, 2018 |
| Book Page | 2549/2035 |
| Instrument | 201800010248 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Address | GRANDVILLE, MI 49418 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 349 Months |
| Due | Jan 01, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Nov 16, 2018 |
| Property Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Document Number | 02548/1090 |
| Book / Page | 2548 / 1090 |
| Instrument Date | Nov 02, 2018 |
| Instrument | 201800009535 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | WOLPH TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 838 3RD ST, FINDLAY, OH 45840-6168 |
| Document Number | 201800009536 |
|---|---|
| Date | Nov 16, 2018 |
| Instrument | 201800009536 |
| Name | POLARIS HOME FUNDING CORP |
|---|---|
| Type | Lending Institution |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 01, 2048 |
Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Hancock County |
| Municipality | Findlay City |
| Unified School District | Findlay City School District (PK - 12) |
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.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,914.00 (+5.98%) | $62,460 (+23.03%) Land $15,100 Building $47,360 | $178,430 (+23%) Land $43,130 Building $135,300 |
| 2023 | $1,806.00 Homeowner's exemption | $50,770 Land $12,270 Building $38,500 | |
| 2022 | $145,060 Land $35,060 Building $110,000 |
Source: FEMA National Flood Hazard Layer, Hancock County (39063C), updated June 2, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 390630011002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 71 individual NFIP policies nearby |
| Nearby Flood Policies | 71 in force |
| Nearby Flood Claims | 362 (1979–2019) |
| Claims Outside the SFHA | 18 of 362 |
| Most Recent Claim | Mar 2019, other causes |
| Claims By Storm |
|
| Wildfire Risk | Low above 5% of the US · above 22% of Ohio |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 455 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Metronet Holdings | Fiber | 5,120 / 5,120 |
| AT&T | Fiber | 5,000 / 5,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Defiance Holdings | Fixed Wireless | 200 / 50 |
| HDER Link | Fixed Wireless (unlicensed) | 100 / 100 |
| AT&T | DSL | 100 / 20 |
May also be available at this address: Benton Ridge Telephone Company, AT&T, BCI Mississippi Broadband, T-Mobile USA, Defiance Holdings, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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