4431 Gibbs Rd, Norwalk, OH 44857 Property Records

Huron County property record for 4431 Gibbs Rd, Norwalk, OH 44857

Property Summary

Property Type	Duplex
Details	4 bd · 1 ba · 1,651 sqft · built 1973
Lot Size	0.406 acres (17,685 sqft)
Owner	2 Individual Names on Record
Last Sale	$90,000 (Aug 2020)
Tax Bill	$852 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`31-013G-01-011-0100`

Property Details

APN / Parcel Number

Primary APN	`31-013G-01-011-0100`
Alternative APN	`299500`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,651 sqft Total Area
1st Floor Area	1,651 sqft
Flooring	Tile
Interior Walls	Plaster

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Gable
Roof Material	Shingle
Lot Area	17,685 sqft (0.406 acres)
Patio Area	80 sqft

Utilities, Heating & Cooling

Sewer	Connected

Location & Zoning

Account Number	299500
Street Address	4431 GIBBS RD
City	NORWALK
State	OH
Zip	44857-9112
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	SEC 2 LOT 4
Legal Lot Number	4
Jurisdiction	HURON OH
Township / Civil Division	NORWALK
Census Block Group	1
Census Block	1011
Census Tract	915500

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	4591 LAYLIN RD, NORWALK, OH 44857-9713
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK
Nov 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage VACATIONLAND FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Dec 30, 1997 · Amount on Record
Deed Document Number	20208280005541
Record Updated	Oct 29, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	HURON OH
Recording Date	Aug 31, 2020
Property Address	4431 GIBBS RD, NORWALK, OH 44857-9112
Document Number	0000005541
Instrument Date	Aug 31, 2020
Instrument	202008310005541
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	TUCKER ESCROW & TITLE SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	4591 LAYLIN RD, NORWALK, OH 44857-9713

Mortgage

Document Number	0000005542
Date	Aug 31, 2020
Instrument	202008280005542

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2035

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	HURON OH
Property Address	4431 GIBBS RD, NORWALK, OH 44857-9112
Document Number	0000007076
Instrument Date	Nov 28, 2017
Transaction Type	Mortgage
Record Updated	Jan 5, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	10 N PLEASANT ST NORWALK OH 448571415, NORWALK, OH 44857-1415

Mortgage

Document Number	0000007076
Date	Nov 28, 2017
Instrument	7076

Lender

Name	VACATIONLAND FCU
Type	Credit Union
Address	SANDUSKY, OH 44870

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$852.00 (-5.75%)	$29,610 (-) Land $6,160 Building $23,450	$84,610 (-) Land $17,610 Building $67,000
2024	$904.00 (+42.36%)	$29,610 (+43.25%) Land $6,160 Building $23,450	$84,610 (+43.29%) Land $17,610 Building $67,000
2023	$635.00	$20,670 (-) Land $4,240 Building $16,430
2022	$635.00	$20,670 Land $4,240 Building $16,430
2021			$59,050 Land $12,100 Building $46,950

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

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 80% of the US · above 64% of Ohio
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Frontier, North Coast Wireless Communications, Verizon.

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