Ottawa County property record for 225 E Ottawa St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2.5 ba · 1,963 sqft · built 1971 |
| Lot Size | 0.325 acres (14,170 sqft) |
| Owner | Individual Name on File |
| Last Sale | $329,900 (Aug 2023) |
| Tax Bill | $3,893 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit Dec 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043707-7 |
| Primary APN | 043707-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 7 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,963 sqft Living Area |
| 1st Floor Area | 1,963 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Brick |
| Foundation Type | Raised |
| Lot Area | 14,170 sqft (0.325 acres) |
| Lot Dimensions | 184 ft deep x 77 ft wide |
| Garage Area | 589 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 144 sqft |
| Patio Area | 330 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043707-7 |
|---|---|
| Street Address | 225 E OTTAWA ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1431 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 E 42.44' & LOT 20 W 37.50 FT 1ST EAST OTTAWA ST EXT |
| Legal Subdivision | FIRST EAST OTTAWA STREET EXTENSION |
| Legal Lot Number | 19 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 50700 |
225 E Ottawa St is owned and occupied by an individual who bought it in August 2023.
Source: Ottawa County records, as of June 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 225 E OTTAWA ST, OAK HARBOR, OH 43449-1431 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| May 21, 2026 | Deed of Trust, Mortgage · Line of Credit WASHINGTON TRUST BANK |
| Dec 13, 2023 | Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON TRUST BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 14, 2023 · Amount on File |
| Deed Sale | Aug 14, 2023 · Amount on File |
| Prior Sale | Nov 26, 2008 · Amount on File |
| Deed Document Number | 20235019 |
| Deed Book / Page | 1957 / 239 |
| Prior Transfer Date | Feb 26, 2014 |
| Prior Transfer Doc | 0000239318 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 21, 2026 |
| Property Address | 225 E OTTAWA ST, OAK HARBOR, OH 43449-1431 |
| Document Number | 0000003049 |
| Book / Page | 2083 / 211 |
| Instrument Date | May 7, 2026 |
| Instrument | 20263049 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Name | Verified Name |
|---|---|
| Address | 225 E OTTAWA ST, OAK HARBOR, OH 43449-1431 |
| Document Number | 0000003049, |
|---|---|
| Date | May 21, 2026 |
| Book Page | 2083/211 |
| Instrument | 20263049 |
| Name | WASHINGTON TRUST BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | May 7, 2051 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 225 E OTTAWA ST, OAK HARBOR, OH 43449-1431 |
| Transaction Type | Mortgage |
| Record Updated | Dec 25, 2023 |
| Title Company | RIT COAST TITLE, TRI COAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 225 E OTTAWA ST, OAK HARBOR, OH 43449-1431 |
| Document Number | 0000007719 |
|---|---|
| Date | Dec 13, 2023 |
| Book Page | 1972/364 |
| Instrument | 202300007719 |
| Name | WASHINGTON TRUST BANK |
|---|---|
| Type | Bank |
| Address | SPOKANE, WA 99201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2039 |
The 2025 property tax bill for 225 E Ottawa St was $3,893, down 0.3% from the year before.
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 | $3,893.00 (-0.28%) | $87,171 (+0.47%) Land $12,796 Building $74,375 | |
| 2024 | $3,904.00 (+3.61%) | $86,762 (+18.12%) Land $12,796 Building $73,966 | $249,060 Land $36,560 Building $212,500 |
| 2023 | $3,768.00 (+29.13%) | $73,455 (+25.23%) Land $10,661 Building $62,794 | |
| 2022 | $2,918.00 | $58,657 Land $10,661 Building $47,996 | |
| 2021 | $209,870 Land $30,460 Building $179,410 |
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.
FEMA maps place 225 E Ottawa St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1998.
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 Claims | 1 (1998) |
| Most Recent Claim | Apr 1998 · rainfall accumulation |
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.
The area around 225 E Ottawa St has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 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 |
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