860 Howard St, Findlay, OH 45840 Property Records

Hancock County property record for 860 Howard St, Findlay, OH 45840

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,108 sqft · built 1963
Lot Size	0.23 acres (10,001 sqft)
Owner	Individual Name on File
Last Sale	$89,000 (May 2003)
Tax Bill	$2,234 (2025)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2018 Line of Credit
Flood Zone	Zone AE (high risk)
APN	`1010-123-13-020.000`

Property Details

APN / Parcel Number

Primary APN	`1010-123-13-020.000`
Alternative APN	`600000303410`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	3 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,108 sqft Living Area
1st Floor Area	1,108 sqft
Basement Area	1,108 sqft
Finished Basement	1,108 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1963
Effective Year Built	Effective 2007
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Shingle
Lot Area	10,001 sqft (0.23 acres)
Lot Dimensions	200 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Slab
Porch Area	144 sqft
Patio Area	200 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Street Address	860 HOWARD ST
City	FINDLAY
State	OH
Zip	45840-2534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SWING ADD LOT 7668
Legal Subdivision	SWING ADD
Legal Lot Number	7668
Jurisdiction	HANCOCK OH
Township / Civil Division	FINDLAY
Census Block Group	2
Census Block	2003
Census Tract	902

Owner

860 Howard St is owned and occupied by an individual who bought it in May 2003.

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

Owner of Record	Individual Name on File
Mailing Address	860 HOWARD ST, FINDLAY, OH 45840-2534
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Jul 24, 2018	Deed of Trust, Mortgage · Line of Credit IMPACT CREDIT UNION INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2003 · Amount on File
Deed Sale	May 16, 2003 · Amount on File
Prior Sale	Jun 1, 2001 · Amount on File
Deed Document Number	20039179
Deed Book / Page	2188 / 2627
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	860 HOWARD ST, FINDLAY, OH 45840-2534
Transaction Type	Mortgage
Record Updated	Jun 19, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2569/2103
Date	Jun 10, 2020
Book Page	2569/2103
Instrument	202000005255

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2040

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HANCOCK OH
Property Address	860 HOWARD ST, FINDLAY, OH 45840-2534
Transaction Type	Mortgage
Record Updated	Aug 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2542/0757
Date	Jul 24, 2018
Book Page	2542/0757
Instrument	201800006026

Lender

Name	IMPACT CREDIT UNION INC
Type	Credit Union
Address	CLYDE, OH 43410

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jul 15, 2033

Tax Assessment & Valuation

The 2025 property tax bill for 860 Howard St was $2,234 with a homeowner's exemption.

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	$2,234.00	$72,880 Land $5,510 Building $67,370	$208,210 Land $15,730 Building $192,480
2023	$2,142.00 Homeowner's exemption	$60,230 Land $4,550 Building $55,680
2022			$172,080 Land $13,000 Building $159,080

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

Flood

FEMA maps place 860 Howard St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective June 2, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on File median of 11 policies
Nearby Flood Policies	11 in force
Nearby Flood Claims	1 (2007)
Most Recent Claim	Aug 2007 · Severe Storms, Flooding, And Tornadoes

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

Wildfire risk around 860 Howard St is low, with less than a 0.01% annual chance of 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 142 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
Spectrum Cable	1,000 / 1,000
HDER Link Fixed Wireless	500 / 500
Watch TV Fixed Wireless	400 / 40

May also be available: MetaLINK Technologies, Verizon.

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