103 E Oak St, Oak Harbor, OH 43449 Property Records

Ottawa County property record for 103 E Oak St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,020 sqft · built 2003
Lot Size	0.338 acres (14,706 sqft)
Owner	Individual Name on File
Last Sale	$202,000 (Jun 2004)
Tax Bill	$3,492 (2025)
Deeds & Mortgages	Mar 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042627-5`

Property Details

APN / Parcel Number

Primary APN	`042627-5`
Alternative APN	`027-05889-13814-010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,020 sqft Living Area
1st Floor Area	2,020 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	14,706 sqft (0.338 acres)
Lot Dimensions	173 ft deep x 85 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	32 sqft
Patio Area	100 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	042627-5
Street Address	103 E OAK ST
City	OAK HARBOR
State	OH
Zip	43449-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11 OAK RUN SUBDIVISION
Legal Subdivision	OAK RUN SUBDIVISION
Legal Lot Number	11
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2038
Census Tract	50700

Owner

Source: Ottawa County records · APN 042627-5

Assessment roll updated April 20, 2026 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	103 E OAK ST, OAK HARBOR, OH 43449-1464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 18, 2004 · Amount on Record
Deed Sale	Jun 18, 2004 · Amount on Record
Prior Sale	Jun 18, 2004 · Amount on Record
Deed Document Number	2004138019
Deed Book / Page	1011 / 297
Record Updated	Jun 08, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	103 E OAK ST, OAK HARBOR, OH 43449-1464
Transaction Type	Mortgage
Record Updated	Jul 12, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293434
Date	Mar 31, 2020
Book Page	1762/753
Instrument	202000293434

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2050

Tax Assessment & Valuation

Source: Ottawa County records · Assessment roll updated April 20, 2026 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Ohio
County	Ottawa County
County Subdivision	Salem Township
Municipality	Oak Harbor Village
Unified School District	Benton-Carroll-Salem Local School District (PK - 12)

Tax Bill & Assessment History

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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,492.00 (-0.74%)	$79,752 (-) Land $16,097 Building $63,655
2024	$3,518.00 (+0.77%) Homeowner's exemption	$79,752 (+15.01%) Land $16,097 Building $63,655	$227,860 (+15.01%) Land $45,990 Building $181,870
2023	$3,491.00 (+3.19%) Homeowner's exemption	$69,342 (-) Land $16,107 Building $53,235
2022	$3,383.00 Homeowner's exemption	$69,342 Land $16,107 Building $53,235
2021			$198,120 Land $46,020 Building $152,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 30, 2022 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	6 (1980–1998)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Apr 1998 · river or lake flooding

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Omni Fiber Fiber	10,000 / 10,000
Spectrum Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Amplex Electric Fixed Wireless	100 / 20
T-Mobile USA Fixed Wireless	100 / 20

Based on FCC filings for 338 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	OAK HARBOR VILLAGE serves 4,400 people
Water Source	Purchased surface water from OTTAWA COUNTY REGIONAL WATER DISTRICT
Last State Inspection	Feb 2026
Lead	Under 1 ppb (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	3 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.