Defiance County property record for 409 Gibson St, Defiance, OH 43512
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,297 sqft · built 1916 |
| Lot Size | 0.208 acres (9,043 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Nov 2021) |
| Tax Bill | $1,108 (2025) |
| Deeds & Mortgages | Jan 2024 Second Mortgage Nov 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | B013126005000 |
| Primary APN | B013126005000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,297 sqft Living Area |
| Gross Area | 2,949 sqft |
| 1st Floor Area | 1,044 sqft |
| Upper Floors Area | 253 sqft |
| Attic | Attic |
| Attic Area | 253 sqft |
| Basement Area | 1,278 sqft |
| Unfinished Basement | 1,278 sqft |
| Year Built | Built 1916 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 9,043 sqft (0.208 acres) |
| Lot Dimensions | 137 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 324 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 374 sqft |
| Cooling System | None |
|---|---|
| Heating System | Central |
| Sewer | Municipal |
| Water Source | Commercial |
| Street Address | 409 GIBSON ST |
|---|---|
| City | DEFIANCE |
| State | OH |
| Zip | 43512-1523 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOLGATES ADD TO N DEF LOT 50 PT |
| Legal Subdivision | HOLGATES ADD |
| Legal Lot Number | 50 |
| Jurisdiction | DEFIANCE OH |
| Township / Civil Division | NOBLE |
| Census Block Group | 2 |
| Census Block | 2030 |
| Census Tract | 958500 |
409 Gibson St is owned and occupied by an individual who bought it in November 2021.
Source: Defiance County records, as of October 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 409 GIBSON ST, DEFIANCE, OH 43512-1523 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Jan 23, 2024 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 8, 2021 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 8, 2021 · Amount on File |
| Deed Sale | Nov 8, 2021 · Amount on File |
| Prior Sale | Sep 24, 2015 · Amount on File |
| Deed Document Number | 20216202 |
| Deed Book / Page | 443 / 2845 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Property Address | 409 GIBSON ST, DEFIANCE, OH 43512-1523 |
| Transaction Type | Mortgage |
| Record Updated | Feb 8, 2024 |
| Name | Verified Name |
|---|---|
| Address | 409 GIBSON ST, DEFIANCE, OH 43512-1523 |
| Document Number | 000462/115 |
|---|---|
| Date | Jan 23, 2024 |
| Book Page | 462/115 |
| Instrument | 202400000220 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Feb 1, 2034 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | DEFIANCE OH |
| Recording Date | Nov 8, 2021 |
| Property Address | 409 GIBSON ST, DEFIANCE, OH 43512-1523 |
| Document Number | 443/2845 |
| Book / Page | 443 / 2845 |
| Instrument Date | Nov 5, 2021 |
| Instrument | 202100006202 |
| Transaction Type | Transfer |
| Record Updated | Nov 25, 2021 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 409 GIBSON ST, DEFIANCE, OH 43512-1523 |
| Document Number | 202100006203 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 202100006203 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2051 |
The 2025 property tax bill for 409 Gibson St was $1,108.
Source: Defiance County assessment roll, as of October 2, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Defiance County |
| County Subdivision | Noble Township |
| Municipality | Defiance City |
| Unified School District | Defiance City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $1,108.00 | $28,350 (-) Land $3,730 Building $24,620 | |
| 2024 | $1,108.00 (+1.19%) | $28,350 (-) Land $3,730 Building $24,620 | $80,990 (-0.01%) Land $10,660 Building $70,330 |
| 2023 | $1,095.00 (-2.75%) | $28,350 (+8.12%) Land $3,730 Building $24,620 | $80,999 Land $10,657 Building $70,342 |
| 2022 | $1,126.00 | $26,220 Land $3,640 Building $22,580 | |
| 2020 | $74,920 Land $10,410 Building $64,510 |
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.
FEMA maps place 409 Gibson St in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective March 8, 2021 · 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 | 3 (1978–2008) |
| Most Recent Claim | Feb 2008 · 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.
The area around 409 Gibson 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DEFIANCE CITY serves 16,494 people · EPA ID OH2000111 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Jul 2022 |
|---|---|
| Treatment and Procedure | Corrosion control Jan 2018 |
| Monitoring and Reporting | 2 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.
Source: FCC Broadband Data Collection, based on 401 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Brightspeed Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| MetaLINK Technologies Fixed Wireless · Fiber in parts of the area | 500 / 100 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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