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

Ottawa County property record for 108 E Oak St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,327 sqft · built 2003
Lot Size	0.318 acres (13,839 sqft)
Owner	Individual Name on File
Last Sale	$29,900 (Apr 2003)
Tax Bill	$3,968 (2025)
Deeds & Mortgages	Sep 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042620-6`

Property Details

APN / Parcel Number

Primary APN	`042620-6`
Alternative APN	`027-05889-13814-003`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,327 sqft Living Area
Gross Area	3,391 sqft
1st Floor Area	1,224 sqft
Upper Floors Area	1,103 sqft
Basement Area	1,064 sqft

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Aluminum/Vinyl
Lot Area	13,839 sqft (0.318 acres)
Lot Dimensions	173 ft deep x 80 ft wide
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	65 sqft
Patio Area	472 sqft
Shed	1 Shed
Shed Area	140 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	042620-6
Street Address	108 E OAK ST
City	OAK HARBOR
State	OH
Zip	43449-1463
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4 OAK RUN SUBDIVISION
Legal Subdivision	OAK RUN SUBDIVISION
Legal Lot Number	4
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2038
Census Tract	50700

Owner

Source: Ottawa County records · APN 042620-6

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	108 E OAK ST, OAK HARBOR, OH 43449-1463
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 24, 2003 · Amount on Record
Deed Sale	Apr 24, 2003 · Amount on Record
Prior Sale	Apr 24, 2003 · Amount on Record
Deed Document Number	2003119145
Deed Book / Page	911 / 376
Record Updated	Jun 08, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	108 E OAK ST, OAK HARBOR, OH 43449-1463
Document Number	0000288306
Instrument Date	Sep 12, 2019
Transaction Type	Mortgage
Record Updated	Oct 15, 2019
Title Company	AMERICAN CERTIFIED TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	108 E OAK ST OAK HARBOR OH 434491463, OAK HARBOR, OH 43449-1463

Mortgage

Document Number	0000288306
Date	Sep 19, 2019
Book Page	001735/000449
Instrument	288306

Lender

Name	FIRSTENERGY FAM CU
Type	Credit Union
Address	AKRON, OH 44320

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 18, 2049

Interest

Rate Type	Adjustable Rate

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 and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,968.00 (-0.75%)	$90,539 (-) Land $15,607 Building $74,932
2024	$3,998.00 (+4.22%) Homeowner's exemption	$90,539 (+18.87%) Land $15,607 Building $74,932	$258,680 (+18.87%) Land $44,590 Building $214,090
2023	$3,836.00 (+3.2%) Homeowner's exemption	$76,167 (-) Land $15,617 Building $60,550
2022	$3,717.00 Homeowner's exemption	$76,167 Land $15,617 Building $60,550
2021			$217,620 Land $44,620 Building $173,000

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.