Ottawa County property record for 1981 N Joy Dr, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,126 sqft · built 1998 |
| Lot Size | 1.97 acres (86,205 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $267,500 (Sep 2019) |
| Tax Bill | $4,899 (2025) |
| Deeds & Mortgages | Jul 2022 Sale & Mortgage Sep 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 008848-2 |
| Primary APN | 008848-2 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 2 Half Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 2,126 sqft Living Area |
| Gross Area | 4,668 sqft |
| 1st Floor Area | 1,296 sqft |
| Attic | Attic |
| Attic Area | 2,076 sqft |
| Basement Area | 1,296 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 86,205 sqft (1.97 acres) |
| Garage Area | 780 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 576 sqft |
| Patio Area | 120 sqft |
| Pole Barn | 640 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 008848-2 |
|---|---|
| Street Address | 1981 N JOY DR |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-9585 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S26 T07 R15 PT NW 1/4 NE 1/4 |
| Legal Range | 15E |
| Legal Township | 07N |
| Legal Section | 26 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | CARROLL |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 50800 |
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 | 1981 N JOY DR, OAK HARBOR, OH 43449-9585 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jul 6, 2022 | Survivorship Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 30, 2019 | Grant Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 30, 2019 · Amount on Record |
| Deed Sale | Sep 30, 2019 · Amount on Record |
| Deed Document Number | 2019288601 |
| Deed Book / Page | 1737 / 75 |
| Prior Transfer Date | Aug 23, 2011 |
| Prior Transfer Doc | 0000214475 |
| Record Updated | Oct 29, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Jul 6, 2022 |
| Property Address | 1981 N JOY DR, OAK HARBOR, OH 43449-9585 |
| Document Number | 0000318943 |
| Book / Page | 1905 / 628 |
| Instrument Date | Jul 6, 2022 |
| Instrument | 2022-318943 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2023 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 1981 N JOY DR, OAK HARBOR, OH 43449-9585 |
| Document Number | 0019050630 |
|---|---|
| Date | Jul 6, 2022 |
| Instrument | 1905-0630 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Sep 30, 2019 |
| Property Address | 1981 N JOY DR, OAK HARBOR, OH 43449-9585 |
| Document Number | 0000288601 |
| Book / Page | 001737 / 000075 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 288601 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2019 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,070.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1981 N JOY DR OAK HARBOR OH 434499585, OAK HARBOR, OH 43449-9585 |
| Document Number | 288602 |
|---|---|
| Date | Sep 30, 2019 |
| Book Page | 001737/000077 |
| Instrument | 288602 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 29, 2049 |
Source: Ottawa County assessment roll, as of April 20, 2026
| Type | Name |
|---|---|
| State | Ohio |
| County | Ottawa County |
| County Subdivision | Carroll Township |
| Unified School District | Benton-Carroll-Salem Local School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,899.00 (-0.85%) | $135,622 (-) Land $24,378 Building $111,244 | |
| 2024 | $4,941.00 (+30.78%) | $135,622 (+44.86%) Land $24,378 Building $111,244 | $387,490 (+44.86%) Land $69,650 Building $317,840 |
| 2023 | $3,778.00 (+3.51%) | $93,626 (-) Land $19,975 Building $73,651 | |
| 2022 | $3,650.00 Homeowner's exemption | $93,626 Land $19,975 Building $73,651 | |
| 2021 | $267,500 Land $57,070 Building $210,430 |
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 |
| Community Rating System | Class 9 (5% premium discount) |
| Nearby Flood Policies | 7 in force |
| Nearby Flood Claims | 1 (1982) |
| Most Recent Claim | Apr 1982 · tidal / storm surge |
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| Amplex Wireless Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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