Hancock County property record for 923 E Main Cross St, Findlay, OH 45840
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,868 sqft · built 1925 |
| Lot Size | 0.278 acres (12,110 sqft) |
| Owner | Individual Name on File |
| Last Sale | $131,500 (Oct 2020) |
| Tax Bill | $1,586 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Oct 2020 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 1011-173-02-002.000 |
| Primary APN | 1011-173-02-002.000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 3 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,868 sqft Living Area |
| 1st Floor Area | 1,868 sqft |
| Basement Area | 1,100 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Shingle |
| Lot Area | 12,110 sqft (0.278 acres) |
| Lot Dimensions | 173 ft deep x 70 ft wide |
| Terrain | Low |
| Garage Type | Basement |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 773 sqft |
| Deck Area | 140 sqft |
| Patio Area | 395 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 923 E MAIN CROSS ST |
|---|---|
| City | FINDLAY |
| State | OH |
| Zip | 45840-6370 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BIGGS O L LOT 18 PT E1/2 55FT MAIN & PT W1/2 15FT |
| Legal Subdivision | BIGGS O L |
| Legal Lot Number | 18 |
| Jurisdiction | HANCOCK OH |
| Township / Civil Division | FINDLAY |
| Census Block Group | 4 |
| Census Block | 4013 |
| Census Tract | 700 |
Source: Hancock County records · APN 1011-173-02-002.000
Assessment roll updated May 29, 2026 · Last verified June 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 File |
|---|---|
| Mailing Address | 923 E MAIN CROSS ST, FINDLAY, OH 45840-6370 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 11, 2025 | Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK |
| Oct 30, 2020 | Warranty Deed, Transfer · FHA Mortgage LOANDEPOT.COM LLC |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 30, 2020 · Amount on Record |
| Deed Sale | Oct 30, 2020 · Amount on Record |
| Deed Document Number | 202011043 |
| Deed Book / Page | 2574 / 4527 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HANCOCK OH |
| Property Address | 923 E MAIN CROSS ST, FINDLAY, OH 45840-6370 |
| Transaction Type | Mortgage |
| Record Updated | Dec 23, 2025 |
| Name | Verified Name |
|---|---|
| Address | 923 E MAIN CROSS ST, FINDLAY, OH 45840-6370 |
| Document Number | 002625/783 |
|---|---|
| Date | Dec 11, 2025 |
| Book Page | 2625/783 |
| Instrument | 202500010227 |
| Name | THE HUNTINGTON NATIONAL BANK |
|---|---|
| Type | Bank |
| Address | 5555 CLEVELAND AVE, COLUMBUS, OH 43231 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 02, 2055 |
| Change Frequency | Monthly |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | HANCOCK OH |
| Recording Date | Oct 30, 2020 |
| Property Address | 923 E MAIN CROSS ST, FINDLAY, OH 45840-6370 |
| Document Number | 02574/4527 |
| Book / Page | 2574 / 4527 |
| Map Reference | VOL 1 PG 8 |
| Instrument Date | Oct 23, 2020 |
| Instrument | 202000011043 |
| Transaction Type | Transfer |
| Record Updated | Apr 25, 2022 |
| Title Company | WHITMAN TITLE SECURITY INC, WHITMAN TITLE SECURITY |
| 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 |
|---|
| Name | Verified Name |
|---|---|
| Address | 923 E MAIN CROSS ST, FINDLAY, OH 45840-6370 |
| Document Number | 202000011044 |
|---|---|
| Date | Oct 30, 2020 |
| Instrument | 202000011044 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2050 |
Source: Hancock County records · Assessment roll updated May 29, 2026 · Last verified June 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 | $1,586.00 (+1.67%) | $51,740 (+17.99%) Land $7,110 Building $44,630 | $147,830 (+18.01%) Land $20,320 Building $127,510 |
| 2023 | $1,560.00 Homeowner's exemption | $43,850 Land $6,030 Building $37,820 | |
| 2022 | $125,270 Land $17,220 Building $108,050 |
Source: FEMA National Flood Hazard Layer as of June 2, 2011 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 Record median of 44 policies |
| Nearby Flood Policies | 44 in force |
| Nearby Flood Claims | 125 (1981–2019) |
| Claims Outside the SFHA | 11 of 125 |
| Most Recent Claim | Apr 2019 · rainfall accumulation |
| Claims by Event |
|
| Wildfire Risk | Low lower than 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Holdings Fiber | 5,120 / 5,120 |
| Spectrum Cable | 1,000 / 1,000 |
| HDER Link Fixed Wireless | 500 / 500 |
| Benton Ridge Telephone Company Fixed Wireless | 400 / 40 |
| Verizon Fixed Wireless | 300 / 20 |
| Defiance Holdings Fixed Wireless | 200 / 50 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless · DSL | 100 / 20 |
May also be available: Amplex Electric.
Based on FCC filings for 255 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | FINDLAY CITY PWS serves 54,040 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jun 2024 |
| Lead | 2 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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