409 Gardner St, Bellevue, OH 44811 Property Records

Sandusky County property record for 409 Gardner St, Bellevue, OH 44811

Property Summary

Property Type	Single Family Home
Details	5 bd · 1 ba · 1,677 sqft · built 1910
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Last Sale	$84,375 (Jul 2007)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Jan 2018 Mortgage Aug 2022 Mortgage + 3 more
Flood Zone	Zone A (high risk)
APN	`03-50-00-0309-00`

Property Details

APN / Parcel Number

Primary APN	`03-50-00-0309-00`

Interior

Bedrooms	5 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,677 sqft Living Area
1st Floor Area	2,010 sqft
Upper Floors Area	672 sqft
Basement Area	672 sqft
Unfinished Basement	672 sqft

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Shingle
Lot Area	13,068 sqft (0.3 acres)
Lot Dimensions	198 ft deep x 66 ft wide
Porch	Slab
Porch Area	250 sqft
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	409 GARDNER ST
City	BELLEVUE
State	OH
Zip	44811-1815
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	309
Legal Lot Number	309
Jurisdiction	SANDUSKY OH
Township / Civil Division	BELLEVUE
Census Block Group	3
Census Block	3016
Census Tract	962200

Owner

409 Gardner St is owned and occupied by an individual who bought it in July 2007.

Source: Sandusky County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
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
Jan 17, 2018	Deed of Trust, Mortgage · FHA Mortgage NEW PENN FINANCIAL LLC
Aug 4, 2022	Deed of Trust, Mortgage · Conventional Mortgage NEWREZ LLC
Jul 10, 2006	Deed of Trust, Mortgage THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH
Jul 18, 2014	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Sep 2, 2005	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2007 · Amount on File
Deed Sale	Jul 17, 2007 · Amount on File
Prior Sale	Dec 30, 2005
Deed Document Number	20076130
Deed Book / Page	52 / 1312
Prior Transfer Date	Aug 30, 2005
Prior Transfer Doc	00019/0650
Record Updated	Oct 29, 2026

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00195/0522
Date	Jan 17, 2018
Book Page	195/0522
Instrument	201800000322

Lender

Name	NEW PENN FINANCIAL LLC
Type	Mortgage Company
Address	PLYMOUTH MEETING, PA 19462

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2048

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	AVENUE 365 LENDER SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00264/1960
Date	Aug 4, 2022
Book Page	264/1960
Instrument	202200004950

Lender

Name	NEWREZ LLC
Type	Mortgage Company
Address	FORT WASHINGTON, PA 19034

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

July 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00035/0317
Date	Jul 10, 2006
Book Page	035/0317
Instrument	200600006030

Lender

Name	THE HOME SVGS & LOAN CO OF YOUNGSTOWN OH
Type	Lending Institution
Address	275 W FEDERAL ST, YOUNGSTOWN, OH 44503

Agreement

Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2016

July 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00147/1087
Date	Jul 18, 2014
Book Page	147/1087
Instrument	201400004057

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2044

September 2005: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	SANDUSKY OH
Recording Date	Sep 2, 2005
Property Address	409 GARDNER ST, BELLEVUE, OH 44811-1815
Document Number	00019/0650
Book / Page	019 / 0650
Instrument Date	Aug 30, 2005
Instrument	200500008417
Transaction Type	Foreclosure
Record Updated	Jun 16, 2026

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 WALNUT ST # 4844, GREEN COVE SPRINGS, FL 32043-3443
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2025 property tax bill for 409 Gardner St was $1,598.

Source: Sandusky County assessment roll, as of April 28, 2026

Property Jurisdictions

Type	Name
State	Ohio
Municipality	Bellevue City
County	Sandusky County
Unified School District	Bellevue City School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,598.00	$37,380 (-) Land $7,070 Building $30,310
2024	$1,598.00 (+5.76%)	$37,380 (+12.05%) Land $7,070 Building $30,310	$106,800 Land $20,200 Building $86,600
2023	$1,511.00 (-1.76%) Homeowner's exemption	$33,360 (-) Land $6,300 Building $27,060
2022	$1,538.00 Homeowner's exemption	$33,360 Land $6,300 Building $27,060
2021			$95,300 Land $18,000 Building $77,300

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

FEMA maps place 409 Gardner St in Zone A, a high-risk flood area; flood insurance is required for federally backed loans.

Source: FEMA National Flood Hazard Layer, effective May 11, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	9 in force
Nearby Flood Claims	6 (1979–2006)
Most Recent Claim	Jun 2006 · Severe Storms, Tornadoes, Straight Line Winds, And 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

The area around 409 Gardner St has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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	BELLEVUE CITY serves 8,236 people · EPA ID OH3900011
Water Source	Surface water
Last State Inspection	May 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2018
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 461 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Watch TV.

Nearby Properties on Gardner St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures