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

Ottawa County property record for 109 E Oak St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,560 sqft · built 2000
Lot Size	0.395 acres (17,206 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Aug 2020)
Tax Bill	$4,753 (2025)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042624-4`

Property Details

APN / Parcel Number

Primary APN	`042624-4`
Alternative APN	`027-05889-13814-007`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	2,560 sqft Living Area
Gross Area	4,080 sqft
1st Floor Area	2,560 sqft
Basement Area	1,520 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Lot Area	17,206 sqft (0.395 acres)
Lot Dimensions	185 ft deep x 93 ft wide
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	353 sqft
Deck Area	360 sqft
Patio Area	288 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	042624-4
Street Address	109 E OAK ST
City	OAK HARBOR
State	OH
Zip	43449-1464
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8 OAK RUN SUBDIVISION
Legal Subdivision	OAK RUN SUBDIVISION
Legal Lot Number	8
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2038
Census Tract	50700

Owner

Source: Ottawa County records, as of April 20, 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 Record
Mailing Address	109 E OAK ST, OAK HARBOR, OH 43449-1464
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 17, 2020 · Amount on Record
Deed Sale	Aug 17, 2020 · Amount on Record
Prior Sale	Oct 9, 2009 · Amount on Record
Deed Document Number	2020297673
Deed Book / Page	1788 / 267
Prior Transfer Date	Aug 23, 2012
Prior Transfer Doc	0000223616
Record Updated	Oct 29, 2026

August 2020: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OTTAWA OH
Recording Date	Aug 17, 2020
Property Address	109 E OAK ST, OAK HARBOR, OH 43449-1464
Document Number	0000297673
Book / Page	1788 / 267
Instrument Date	Aug 14, 2020
Instrument	202000297673
Transaction Type	Transfer
Record Updated	May 5, 2022

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	109 E OAK ST, OAK HARBOR, OH 43449-1464

Mortgage

Document Number	0001788268
Date	Aug 17, 2020
Instrument	1788/268

Lender

Name	GENOA BANKING CO
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2040

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of April 20, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,753.00 (-0.73%)	$108,542 (-) Land $17,416 Building $91,126
2024	$4,788.00 (+1.35%) Homeowner's exemption	$108,542 (+15.68%) Land $17,416 Building $91,126	$310,120 (+15.68%) Land $49,760 Building $260,360
2023	$4,724.00 (+3.21%) Homeowner's exemption	$93,828 (-) Land $17,423 Building $76,405
2022	$4,577.00 Homeowner's exemption	$93,828 Land $17,423 Building $76,405
2021			$268,080 Land $49,780 Building $218,300

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 November 30, 2022 · 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	6 (1980–1998)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Apr 1998 · 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.

Wildfire

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	OAK HARBOR VILLAGE serves 4,400 people · EPA ID OH6202603
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, 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 338 locations within half a mile, as of December 31, 2025

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 Wireless Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20