Ottawa County property record for 228 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,184 sqft · built 1880 |
| Lot Size | 0.211 acres (9,200 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $157,500 (Jan 2021) |
| Tax Bill | $2,753 (2025) |
| Deeds & Mortgages | Jan 2021 Sale & Reverse Mortgage Jan 2021 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043586-6 |
| Primary APN | 043586-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 10 Rooms |
| Stories | 2 Stories |
| Building Area | 2,184 sqft Living Area |
| Gross Area | 4,116 sqft |
| 1st Floor Area | 1,344 sqft |
| Upper Floors Area | 840 sqft |
| Attic | Attic |
| Attic Area | 840 sqft |
| Basement Area | 1,092 sqft |
| Unfinished Basement | 252 sqft |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 1979 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 9,200 sqft (0.211 acres) |
| Lot Dimensions | 115 ft deep x 80 ft wide |
| Porch | Slab |
|---|---|
| Porch Area | 583 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043586-6 |
|---|---|
| Street Address | 228 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1451 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 PT SW, VAC BLK 5 LOT 7 E 79.91 X 115.31 KRAMER BROS (UNRECORDED BLK) |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Legal Block | 5 |
| Legal Lot Number | 7 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 50700 |
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 | 228 E WATER ST, OAK HARBOR, OH 43449-1451 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| Jan 15, 2021 | Survivorship Deed, Transfer · Reverse Mortgage UNION HOME MORTGAGE CORP |
| Jan 15, 2021 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Feb 13, 2019 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 15, 2021 · Amount on Record |
| Deed Sale | Jan 15, 2021 · Amount on Record |
| Deed Document Number | 2021302585 |
| Deed Book / Page | 1816 / 267 |
| Record Updated | Oct 29, 2026 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Jan 15, 2021 |
| Property Address | 228 E WATER ST, OAK HARBOR, OH 43449-1451 |
| Document Number | 0000302585 |
| Book / Page | 1816 / 267 |
| Instrument Date | Jan 15, 2021 |
| Instrument | 202100302585 |
| Transaction Type | Transfer |
| Record Updated | May 27, 2022 |
| 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 | 228 E WATER ST, OAK HARBOR, OH 43449-1451 |
| Investor | Possibly a Property Investor |
| Document Number | 0001816269 |
|---|---|
| Date | Jan 15, 2021 |
| Instrument | 1816/269 |
| Name | UNION HOME MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2051 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Jan 15, 2021 |
| Property Address | 228 E WATER ST, OAK HARBOR, OH 43449-1451 |
| Document Number | 0000302584 |
| Book / Page | 001816 / 000264 |
| Instrument Date | Dec 23, 2020 |
| Instrument | 302584 |
| Transaction Type | Transfer |
| Record Updated | Mar 12, 2021 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 228 E WATER ST OAK HARBOR OH 434491451, OAK HARBOR, OH 43449-1451 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Feb 13, 2019 |
| Property Address | 228 E WATER ST, OAK HARBOR, OH 43449-1451 |
| Document Number | 0000282982 |
| Instrument Date | Feb 12, 2019 |
| Instrument | 282982 |
| Transaction Type | Transfer |
| Record Updated | May 20, 2019 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 464 STATE ROUTE 635 HELENA OH 434359790, HELENA, OH 43435-9790 |
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 | $2,753.00 (-0.72%) | $61,646 (-) Land $10,679 Building $50,967 | |
| 2024 | $2,773.00 (+5.44%) | $61,646 (+20.22%) Land $10,679 Building $50,967 | $176,130 (+20.23%) Land $30,510 Building $145,620 |
| 2023 | $2,630.00 (+3.1%) | $51,276 (-) Land $8,901 Building $42,375 | |
| 2022 | $2,551.00 | $51,276 Land $8,901 Building $42,375 | |
| 2021 | $146,500 Land $25,430 Building $121,070 |
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 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.
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: 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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