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

Ottawa County property record for 239 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 2,828 sqft · built 1881
Lot Size	0.289 acres (12,602 sqft)
Owner	Individual Name on Record
Last Sale	$112,000 (Dec 2000)
Tax Bill	$3,471 (2025)
Deeds & Mortgages	Jul 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042760-5`

Property Details

APN / Parcel Number

Primary APN	`042760-5`
Alternative APN	`027-07241-09261-000`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,828 sqft Living Area
1st Floor Area	1,612 sqft
Upper Floors Area	1,216 sqft

Exterior

Year Built	Built 1881
Effective Year Built	Effective 2008
Exterior Material	Brick
Foundation Type	No Foundation
Lot Area	12,602 sqft (0.289 acres)
Lot Dimensions	140 ft deep x 90 ft wide
Garage Area	576 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	572 sqft
Deck Area	40 sqft
Patio Area	270 sqft
Utility Building	64 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042760-5
Street Address	239 E WATER ST
City	OAK HARBOR
State	OH
Zip	43449-1453
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S04 T06 R15 NW PT NE 1/4 SW 1/4 (89.5X 140)
Legal Range	15E
Legal Township	06N
Legal Section	04
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3003
Census Tract	50700

Owner

Source: Ottawa County records, as of July 22, 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	239 E WATER ST, 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	Dec 28, 2000 · Amount on Record
Deed Sale	Dec 28, 2000 · Amount on Record
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Recording Date	Jul 13, 2026
Property Address	239 E WATER ST, OAK HARBOR, OH 43449-1453
Document Number	0000004397
Book / Page	2091 / 181
Instrument Date	Jun 18, 2026
Instrument	20264397
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	239 E WATER ST, OAK HARBOR, OH 43449-1453

Mortgage

Document Number	0000004397,
Date	Jul 13, 2026
Book Page	2091/181
Instrument	20264397

Lender

Name	COMMODORE PERRY FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.85%
Max Rate	-1%

Tax Assessment & Valuation

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	$3,471.00 (-0.74%)	$79,282 (-) Land $12,894 Building $66,388
2024	$3,497.00 (+6.36%) Homeowner's exemption	$79,282 (+21.38%) Land $12,894 Building $66,388	$226,520 (+21.38%) Land $36,840 Building $189,680
2023	$3,288.00 (+3.2%) Homeowner's exemption	$65,318 (-) Land $10,742 Building $54,576
2022	$3,186.00 Homeowner's exemption	$65,318 Land $10,742 Building $54,576
2021			$186,620 Land $30,690 Building $155,930

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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

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