11 Gerard Dr, Norwalk, OH 44857 Property Records

Huron County property record for 11 Gerard Dr, Norwalk, OH 44857

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,830 sqft · built 1991
Lot Size	0.52 acres (22,651 sqft)
Owner	Individual Name on Record
Tax Bill	$4,057 (2025)
Deeds & Mortgages	Sep 2022 Line of Credit Feb 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`33-004C-01-029-0300`

Property Details

APN / Parcel Number

Primary APN	`33-004C-01-029-0300`
Alternative APN	`308063`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,830 sqft Living Area
1st Floor Area	1,812 sqft
2nd Floor Area	1,018 sqft
Basement Area	1,606 sqft
Unfinished Basement	1,606 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	22,651 sqft (0.52 acres)
Lot Dimensions	150 ft deep x 150 ft wide
Terrain	Rolling
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	143 sqft
Patio Area	143 sqft
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	308063
Street Address	11 GERARD DR
City	NORWALK
State	OH
Zip	44857-2479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INLOT 4716
Legal Subdivision	EXECUTIVE ESTATES
Legal Lot Number	4716
Jurisdiction	HURON OH
Township / Civil Division	NORWALK
Census Block Group	2
Census Block	2013
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	Individual Name on Record
Mailing Address	11 GERARD DR, NORWALK, OH 44857-2479
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Feb 3, 2018	Deed of Trust, Mortgage · Line of Credit CIVISTA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2013
Deed Sale	Nov 12, 2013
Prior Sale	Mar 26, 2009 · Amount on Record
Prior Transfer Date	Oct 22, 2013
Prior Transfer Doc	0000003174
Record Updated	Oct 29, 2026

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	11 GERARD DR, NORWALK, OH 44857-2479
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11 GERARD DR, NORWALK, OH 44857-2479

Mortgage

Document Number	0000005745
Date	Sep 13, 2022
Instrument	202209130005745

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	470 Months
Due	Nov 15, 2061

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	11 GERARD DR, NORWALK, OH 44857-2479
Document Number	0000000921
Instrument Date	Feb 3, 2018
Transaction Type	Mortgage
Record Updated	Mar 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	11 GERARD DR NORWALK OH 448572479, NORWALK, OH 44857-2479

Mortgage

Document Number	0000000921
Date	Feb 15, 2018
Instrument	921

Lender

Name	CIVISTA BK
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Feb 14, 2033

Interest

Rate Type	Adjustable Rate

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	$4,057.00 (-3.77%)	$113,130 (-) Land $21,260 Building $91,870	$323,230 (-) Land $60,750 Building $262,480
2024	$4,216.00 (+39.97%)	$113,130 (+35.49%) Land $21,260 Building $91,870	$323,230 (+35.48%) Land $60,750 Building $262,480
2022	$3,012.00	$83,500 Land $16,380 Building $67,120
2021			$238,580 Land $46,800 Building $191,780

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

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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