229 E Water St, Oak Harbor, OH 43449 Property Records

Ottawa County property record for 229 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,600 sqft · built 1890
Lot Size	0.276 acres (12,001 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Jul 2003)
Tax Bill	$2,536 (2025)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042700-1`

Property Details

APN / Parcel Number

Primary APN	`042700-1`
Alternative APN	`027-06117-13937-000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	959 sqft
Upper Floors Area	641 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	12,001 sqft (0.276 acres)
Lot Dimensions	120 ft deep x 100 ft wide
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	394 sqft
Deck Area	64 sqft
Patio Area	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042700-1
Street Address	229 E WATER ST
City	OAK HARBOR
State	OH
Zip	43449-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 11 & 12 N 120 FT H F HARRISON
Legal Subdivision	N HARRISON
Legal Lot Number	11-12
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3006
Census Tract	50700

Owner

229 E Water St is owned and occupied by an individual who acquired it in December 2004.

Source: Ottawa County records, as of May 27, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	229 E WATER ST, 41417, OAK HARBOR, OH 43449-1453
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants with Right of Survivorship

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 31, 2003 · Amount on File
Deed Sale	Jul 31, 2003 · Amount on File
Prior Sale	Jul 31, 2003 · Amount on File
Deed Document Number	2003124257
Deed Book / Page	940 / 574
Last Transfer Date	Dec 29, 2004
Transfer Doc	0000145398
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Recording Date	May 18, 2026
Property Address	229 E WATER ST, OAK HARBOR, OH 43449-1453
Document Number	0000002958
Book / Page	2082 / 623
Instrument Date	May 11, 2026
Instrument	20262958
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Remainderman, 286
Address	229 E WATER ST, OAK HARBOR, OH 43449-1453
Investor	Possibly a Property Investor

Mortgage

Document Number	0000002958,
Date	May 18, 2026
Book Page	2082/623
Instrument	20262958

Lender

Name	SPRING EQ LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 229 E Water St was $2,536 with a homeowner's exemption, down 0.7% from the year before.

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	$2,536.00 (-0.74%)	$57,932 (-) Land $12,439 Building $45,493
2024	$2,555.00 (+2.24%) Homeowner's exemption	$57,932 (+16.68%) Land $12,439 Building $45,493	$165,520 Land $35,540 Building $129,980
2023	$2,499.00 (+3.18%) Homeowner's exemption	$49,652 (-) Land $10,364 Building $39,288
2022	$2,422.00 Homeowner's exemption	$49,652 Land $10,364 Building $39,288
2021			$141,860 Land $29,610 Building $112,250

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

FEMA maps place 229 E Water 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.

Wildfire

Wildfire risk around 229 E Water St is low, with less than a 0.01% annual chance of wildfire.

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.

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