10 Gerard Dr, Norwalk, OH 44857 Property Records

Huron County property record for 10 Gerard Dr, Norwalk, OH 44857

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,018 sqft · built 1988
Lot Size	0.483 acres (21,025 sqft)
Owner	2 Individual Names on Record
Last Sale	$499,900 (Jan 2020)
Tax Bill	$8,938 (2025)
Deeds & Mortgages	Apr 2022 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`33-004B-01-027-0100`

Property Details

APN / Parcel Number

Primary APN	`33-004B-01-027-0100`
Alternative APN	`306582`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	11 Rooms
Stories	1 Story
Building Area	4,018 sqft Living Area
1st Floor Area	4,018 sqft
Basement Area	1,730 sqft
Finished Basement	1,730 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1996
Exterior Material	Stucco
Foundation Type	Slab (Mat/Raft)
Roof Type	Hip
Roof Material	Shingle
Lot Area	21,025 sqft (0.483 acres)
Lot Dimensions	145 ft deep x 145 ft wide
Terrain	Rolling
Garage Type	Mixed
Garage Area	1,557 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Pool Type	In-Ground Pool
Pool Area	512 sqft
Porch	Slab
Porch Area	542 sqft
Patio Area	324 sqft
Bath House	1,078 sqft
Gazebo	256 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	306582
Street Address	10 GERARD DR
City	NORWALK
State	OH
Zip	44857-2495
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	GL 70 & 69 PT INLOT 4754 145 X 145
Legal Subdivision	EXECUTIVE ESTATES
Legal Lot Number	4754145
Jurisdiction	HURON OH
Township / Civil Division	NORWALK
Census Block Group	2
Census Block	2006
Census Tract	915600

Owner

Source: Huron County records, as of September 28, 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 Record
Mailing Address	10 GERARD DR, NORWALK, OH 44857-2495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2022	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jan 24, 2020	Grant Deed, Transfer · Conventional Mortgage CIVISTA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2020 · Amount on Record
Deed Sale	Jan 24, 2020 · Amount on Record
Prior Sale	Jan 1, 1990 · Amount on Record
Deed Document Number	2020462
Prior Transfer Date	Sep 27, 2017
Prior Transfer Doc	0000006050
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	10 GERARD DR, NORWALK, OH 44857-2495
Transaction Type	Mortgage
Record Updated	May 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 GERARD DR, NORWALK, OH 44857-2495

Mortgage

Document Number	0000002335
Date	Apr 12, 2022
Instrument	202204120002335

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HURON OH
Recording Date	Jan 24, 2020
Property Address	10 GERARD DR, NORWALK, OH 44857-2495
Document Number	0000000462
Instrument Date	Jan 24, 2020
Instrument	462
Transaction Type	Transfer
Record Updated	Feb 13, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,000.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	10 GERARD DR NORWALK OH 448572495, NORWALK, OH 44857-2495

Mortgage

Document Number	463
Date	Jan 24, 2020
Instrument	463

Lender

Name	CIVISTA BK
Address	SANDUSKY, OH 44870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jan 23, 2030

Tax Assessment & Valuation

Source: Huron County assessment roll, as of September 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Huron County
Municipality	Norwalk City
Unified School District	Norwalk City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$8,938.00 (-3.11%)	$225,680 (-) Land $20,100 Building $205,580	$644,780 (-) Land $57,420 Building $587,360
2024	$9,225.00 (+30.98%)	$225,680 (+28.67%) Land $20,100 Building $205,580	$644,780 (+28.67%) Land $57,420 Building $587,360
2023	$7,043.00 (-0.55%)	$175,390 (-) Land $15,480 Building $159,910
2022	$7,082.00	$175,390 Land $15,480 Building $159,910
2021			$501,110 Land $44,230 Building $456,880

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 May 11, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2011)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2011 · river or lake flooding

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 81% of Ohio
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	NORWALK CITY PWS private · serves 17,466 people · EPA ID OH3901111
Water Source	Surface water
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Frontier Fiber	7,000 / 7,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: North Coast Wireless Communications, Watch TV.

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