13 Gerard Dr, Norwalk, OH 44857 Property Records

Huron County property record for 13 Gerard Dr, Norwalk, OH 44857

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,696 sqft · built 1987
Lot Size	0.778 acres (33,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$282,000 (Oct 2019)
Tax Bill	$4,551 (2025)
Deeds & Mortgages	May 2026 Line of Credit Nov 2023 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`33-004C-01-029-0400`

Property Details

APN / Parcel Number

Primary APN	`33-004C-01-029-0400`
Alternative APN	`308088`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,696 sqft Living Area
1st Floor Area	2,264 sqft
2nd Floor Area	432 sqft
Basement Area	1,880 sqft
Unfinished Basement	1,880 sqft
Flooring	Tile
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	33,900 sqft (0.778 acres)
Lot Dimensions	150 ft deep x 226 ft wide
Terrain	Rolling
Garage Area	1,304 sqft
Parking Spaces	6 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	48 sqft
Deck Area	232 sqft
Patio Area	232 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Sewer	Connected

Location & Zoning

Account Number	308088
Street Address	13 GERARD DR
City	NORWALK
State	OH
Zip	44857-2479
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	INLOT 4717
Legal Subdivision	EXECUTIVE ESTATES PHASE NO 2
Legal Lot Number	4717
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	2 Individual Names on Record
Mailing Address	13 GERARD DR, NORWALK, OH 44857-2479
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK N A
Nov 22, 2023	Deed of Trust, Mortgage · Line of Credit FIRELANDS FCU
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage USAA FSB
Oct 18, 2019	Grant Deed, Transfer · VA Mortgage USAA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 18, 2019 · Amount on Record
Deed Sale	Oct 18, 2019 · Amount on Record
Prior Sale	Oct 25, 2004
Deed Document Number	20195794
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Recording Date	May 18, 2026
Property Address	13 GERARD DR, NORWALK, OH 44857-2479
Document Number	0000002671
Instrument Date	Apr 29, 2026
Instrument	20262671
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	13 GERARD DR, NORWALK, OH 44857-2479

Mortgage

Document Number	0000002671,
Date	May 18, 2026
Instrument	20262671

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 6, 2056

Interest

Rate	6.46%
Max Rate	-1%

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	13 GERARD DR, NORWALK, OH 44857-2479
Transaction Type	Mortgage
Record Updated	Dec 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000005772
Date	Nov 22, 2023
Instrument	202311220005772

Lender

Name	FIRELANDS FCU
Type	Credit Union
Address	BELLEVUE, OH 44811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2043

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	13 GERARD DR, NORWALK, OH 44857-2479
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	202106210004523
Date	Jun 21, 2021
Instrument	202106210004523

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	HURON OH
Recording Date	Oct 18, 2019
Property Address	13 GERARD DR, NORWALK, OH 44857-2479
Document Number	0000005794
Instrument Date	Oct 9, 2019
Instrument	5794
Transaction Type	Transfer
Record Updated	Nov 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13 GERARD DR NORWALK OH 448572479, NORWALK, OH 44857-2479

Mortgage

Document Number	5795
Date	Oct 18, 2019
Instrument	5795

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 17, 2049

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	$4,551.00 (-4.31%)	$136,150 (-) Land $32,040 Building $104,110	$388,980 (-) Land $91,530 Building $297,450
2024	$4,756.00 (+43.17%)	$136,150 (+34.54%) Land $32,040 Building $104,110	$388,980 (+34.53%) Land $91,530 Building $297,450
2023	$3,322.00 (-1.51%)	$101,200 (-) Land $24,680 Building $76,520
2022	$3,373.00	$101,200 Land $24,680 Building $76,520
2021			$289,150 Land $70,510 Building $218,640

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
Nearest Special Flood Hazard Area	Zone A, within 500 ft
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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