Ottawa County property record for 159 Finke Rd, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 2,464 sqft · built 1954 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,000 (May 2020) |
| Tax Bill | $2,923 (2025) |
| Deeds & Mortgages | Apr 2024 Mortgage Jan 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043127-7 |
| Primary APN | 043127-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 2,464 sqft Living Area |
| Gross Area | 2,776 sqft |
| 1st Floor Area | 1,528 sqft |
| Year Built | Built 1954 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Other |
| Foundation Type | Raised |
| Lot Area | 10,019 sqft (0.23 acres) |
| Garage Type | Detached |
| Garage Area | 320 sqft |
| Parking Spaces | 1 Parking Space |
| Deck Area | 200 sqft |
| Patio Area | 200 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043127-7 |
|---|---|
| Street Address | 159 FINKE RD |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1457 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 PT NW |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 50700 |
Source: Ottawa County records, as of October 9, 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 | 159 FINKE RD, 41417, OAK HARBOR, OH 43449-1457 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 30, 2024 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Jan 14, 2022 | Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV |
| May 8, 2020 | Fiduciary Deed, Transfer · FHA Mortgage RUOFF MORTGAGE COMPANY INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 8, 2020 · Amount on Record |
| Deed Sale | May 8, 2020 · Amount on Record |
| Deed Document Number | 2020294352 |
| Deed Book / Page | 1768 / 747 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Transaction Type | Mortgage |
| Record Updated | May 14, 2024 |
| Name | Verified Name |
|---|---|
| Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Document Number | 0000002569 |
|---|---|
| Date | Apr 30, 2024 |
| Book Page | 1987/829 |
| Instrument | 202400002569 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | MADISON HEIGHTS, MI 48071 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 333 Months |
| Due | Jan 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Transaction Type | Mortgage |
| Record Updated | Feb 7, 2023 |
| Name | Verified Name |
|---|---|
| Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Document Number | 0000314418 |
|---|---|
| Date | Jan 14, 2022 |
| Book Page | 1881/427 |
| Instrument | 2022-314418 |
| Name | DEPARTMENT OF HOUSING & URBAN DEV |
|---|---|
| Type | Government Agency |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2052 |
| Document Type | Fiduciary Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 8, 2020 |
| Property Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Document Number | 0000294352 |
| Book / Page | 1768 / 747 |
| Instrument Date | May 1, 2020 |
| Instrument | 202000294352 |
| Transaction Type | Transfer |
| Record Updated | May 5, 2022 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 159 FINKE RD, OAK HARBOR, OH 43449-1457 |
| Document Number | 0001768749 |
|---|---|
| Date | May 8, 2020 |
| Instrument | 1768/749 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2050 |
| Document Number | 0000294354 |
|---|---|
| Date | May 8, 2020 |
| Book Page | 1768/764 |
| Instrument | 202000294354 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Ottawa County assessment roll, as of April 20, 2026
| 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) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,923.00 (-0.71%) | $65,454 (-) Land $10,864 Building $54,590 | |
| 2024 | $2,944.00 (+3.95%) | $65,454 (+18.56%) Land $10,864 Building $54,590 | $187,010 (+18.56%) Land $31,040 Building $155,970 |
| 2023 | $2,832.00 (+3.09%) | $55,209 (-) Land $9,051 Building $46,158 | |
| 2022 | $2,747.00 | $55,209 Land $9,051 Building $46,158 | |
| 2021 | $157,740 Land $25,860 Building $131,880 |
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.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 85% of Ohio |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Amplex Wireless Fixed Wireless | 100 / 20 |
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