528 Gardner St, Bellevue, OH 44811 Property Records

Sandusky County property record for 528 Gardner St, Bellevue, OH 44811

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,313 sqft · built 1925
Lot Size	0.183 acres (7,971 sqft)
Owner	Individual Name on File
Last Sale	$39,900 (Dec 1985)
Tax Bill	$1,372 (2025)
Deeds & Mortgages	May 2013 Mortgage Aug 2005 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`03-60-00-0021-03`

Property Details

APN / Parcel Number

Primary APN	`03-60-00-0021-03`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,313 sqft Living Area
1st Floor Area	1,820 sqft
Upper Floors Area	403 sqft
Basement Area	854 sqft
Finished Basement	150 sqft
Unfinished Basement	854 sqft

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1925
Architectural Style	Conventional
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Material	Other
Lot Area	7,971 sqft (0.183 acres)
Lot Dimensions	200 ft deep x 40 ft wide
Garage Area	574 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	126 sqft
Deck Area	Deck Area
Patio Area	224 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	528 GARDNER ST
City	BELLEVUE
State	OH
Zip	44811-1611
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	21 PT 40 X 231
Legal Block	3
Legal Lot Number	21
Jurisdiction	SANDUSKY OH
Township / Civil Division	BELLEVUE
Census Block Group	3
Census Block	3009
Census Tract	962200

Owner

528 Gardner St is owned and occupied by an individual who acquired it in April 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Date	Document
May 2, 2013	Deed of Trust, Mortgage · Conventional Mortgage FIFTH THIRD BANK
Aug 9, 2005	Deed of Trust, Mortgage THIRD FSLA OF CLEVELAND
Nov 13, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK
Jan 12, 2026	Transfer on Death Deed, Transfer
May 1, 2020	Transfer on Death Deed, Transfer
Nov 13, 2017	Deed of Trust, Mortgage FIFTH THIRD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 1985 · Amount on File
Deed Sale	Dec 1, 1985 · Amount on File
Last Transfer Date	Apr 28, 2020
Transfer Doc	000226/488
Record Updated	Oct 29, 2026

May 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00131/1780
Date	May 2, 2013
Book Page	131/1780
Instrument	201300003207

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2023

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Transaction Type	Mortgage
Record Updated	Jun 16, 2026
Title Company	MULTIPLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00017/2017
Date	Aug 9, 2005
Book Page	017/2017
Instrument	200500007433

Lender

Name	THIRD FSLA OF CLEVELAND
Type	Lending Institution
Address	CLEVELAND, OH 44105

Agreement

Amount	Amount on Record
Term	121 Months
Due	Sep 1, 2015

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Transaction Type	Mortgage
Record Updated	Jun 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00192/2208
Date	Nov 13, 2017
Book Page	192/2208
Instrument	201700006857

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2027

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SANDUSKY OH
Recording Date	Jan 12, 2026
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Document Number	000385/218
Book / Page	385 / 218
Map Reference	VOL 164 PG 2067
Instrument Date	Jan 5, 2026
Instrument	202600000181
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 GARDNER ST, BELLEVUE, OH 44811-1611

May 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SANDUSKY OH
Recording Date	May 1, 2020
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Document Number	000226/488
Book / Page	226 / 488
Map Reference	VOL 123 PG 29
Instrument Date	Apr 28, 2020
Instrument	202000002457
Transaction Type	Transfer
Record Updated	Jun 16, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	528 GARDNER ST, BELLEVUE, OH 44811-1611

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 GARDNER ST, BELLEVUE, OH 44811-1611

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SANDUSKY OH
Property Address	528 GARDNER ST, BELLEVUE, OH 44811-1611
Transaction Type	Mortgage
Record Updated	Dec 13, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 201700006857
Date	Nov 13, 2017
Book Page	192/2208
Instrument	201700006857

Lender

Name	FIFTH THIRD BANK
Type	Bank
Address	CINCINNATI, OH 45263

Agreement

Amount	Amount on Record
Term	120 Months
Due	Nov 1, 2027

Tax Assessment & Valuation

The 2025 property tax bill for 528 Gardner St was $1,372, up 5.7% from the year before.

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	$1,372.00 (+5.7%)	$32,030 (-) Land $4,800 Building $27,230
2024	$1,298.00	$32,030 (+11.99%) Land $4,800 Building $27,230	$91,500 Land $13,700 Building $77,800
2023	$1,298.00 Homeowner's exemption	$28,600 Land $4,270 Building $24,330
2021			$81,700 Land $12,200 Building $69,500

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

Flood

FEMA maps place 528 Gardner St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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	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 528 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

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