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

Ottawa County property record for 240 E Water St, Oak Harbor, OH 43449

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,872 sqft · built 1931
Lot Size0.23 acres (10,001 sqft)
OwnerIndividual Name on Record
Last Sale$159,900 (Aug 2018)
Tax Bill$3,339 (2025)
Deeds & MortgagesOct 2021 Mortgage
Apr 2020 Mortgage
+ 1 more
Flood ZoneZone X (minimal risk)
APN042804-2

Property Details

APN / Parcel Number

Primary APN042804-2
Alternative APN
  • 027-10069-13496-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms10 Rooms
Stories2 Stories
Building Area1,872 sqft Living Area
Gross Area3,684 sqft
1st Floor Area1,048 sqft
Upper Floors Area824 sqft
AtticAttic
Attic Area824 sqft
Basement Area988 sqft
Unfinished Basement164 sqft
Game RoomGame Room
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1931
Effective Year BuiltEffective 1931
Exterior MaterialStone
Construction TypeBrick
Lot Area10,001 sqft (0.23 acres)
Lot Dimensions100 ft deep x 100 ft wide
Garage Area240 sqft
Parking Spaces1 Parking Space
PorchSlab
Porch Area180 sqft
Patio Area256 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number042804-2
Street Address240 E WATER ST
CityOAK HARBOR
StateOH
Zip43449-1454
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOTS 1 & 2 S 100 FT MEYER BORDEAUX & CARSTENSEN
Legal SubdivisionMEYER BORDEAUX & CARSTENSEN ADDITION
Legal Lot Number1-2
JurisdictionOTTAWA OH
Township / Civil DivisionSALEM
Census Block Group3
Census Block3005
Census Tract50700

Owner

Source: Ottawa County records, as of September 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordIndividual Name on Record
Mailing Address240 E WATER ST, 40189, OAK HARBOR, OH 43449-1454
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Oct 27, 2021Deed of Trust, Mortgage · Conventional Mortgage
AMERISAVE MORTGAGE CORP
Apr 24, 2020Deed of Trust, Mortgage · Conventional with PMI
LOANDEPOT.COM LLC
Aug 28, 2018Warranty Deed, Transfer · Conventional with PMI
LOANDEPOT.COM LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 28, 2018 · Amount on Record
Deed SaleAug 28, 2018 · Amount on Record
Prior SaleMar 29, 2005 · Amount on Record
Deed Document Number2018278950
Deed Book / Page1690 / 480
Record UpdatedOct 29, 2026

October 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTTAWA OH
Property Address240 E WATER ST, OAK HARBOR, OH 43449-1454
Transaction TypeMortgage
Record UpdatedMar 16, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000312020
DateOct 27, 2021
Book Page1868/290
Instrument2021-312020
Lender
NameAMERISAVE MORTGAGE CORP
TypeMortgage Company
AddressATLANTA, GA 30305
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueSep 1, 2051

April 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTTAWA OH
Property Address240 E WATER ST, OAK HARBOR, OH 43449-1454
Document Number0000294146
Instrument DateApr 24, 2020
Transaction TypeMortgage
Record UpdatedMay 29, 2020
Title CompanyTITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING

Transferred To (Grantee/Buyer)

NameVerified Name
Address240 E WATER ST OAK HARBOR OH 434491454, OAK HARBOR, OH 43449-1454

Mortgage

Document Number0000294146
DateApr 30, 2020
Book Page001767/000522
Instrument294146
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueApr 29, 2050

August 2018: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA OH
Recording DateAug 28, 2018
Property Address240 E WATER ST, OAK HARBOR, OH 43449-1454
Document Number0000278950
Book / Page001690 / 000480
Instrument DateAug 27, 2018
Instrument278950
Transaction TypeTransfer
Record UpdatedOct 4, 2018
Title CompanyOTHER

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$639.60
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address240 E WATER ST OAK HARBOR OH 434491454, OAK HARBOR, OH 43449-1454

Mortgage

Document Number278951
DateAug 28, 2018
Book Page001690/000482
Instrument278951
Lender
NameLOANDEPOT.COM LLC
TypeFunding / Finance Company
AddressFOOTHILL RANCH, CA 92610
Agreement
TypeConventional with PMI
AmountAmount Recorded
Term360 Months
DueAug 27, 2048

Tax Assessment & Valuation

Source: Ottawa County assessment roll, as of April 20, 2026

Property Jurisdictions

TypeName
StateOhio
CountyOttawa County
County SubdivisionSalem Township
MunicipalityOak Harbor Village
Unified School DistrictBenton-Carroll-Salem Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,339.00 (-0.74%)$76,276 (-) Land $11,011 Building $65,265
2024$3,364.00 (+9.83%) Homeowner's exemption$76,276 (+25.37%) Land $11,011 Building $65,265$217,930 (+25.37%) Land $31,460 Building $186,470
2023$3,063.00 (+3.2%) Homeowner's exemption$60,841 (-) Land $9,170 Building $51,671
2022$2,968.00 Homeowner's exemption$60,841 Land $9,170 Building $51,671
2021$173,830 Land $26,200 Building $147,630

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

Source: FEMA National Flood Hazard Layer, effective November 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1998)
Most Recent ClaimApr 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 RiskLow
lower than 97% of the US · lower than 85% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOAK HARBOR VILLAGE
serves 4,400 people · EPA ID OH6202603
Water SourcePurchased surface water from OTTAWA COUNTY REGIONAL WATER DISTRICT
Last State InspectionFeb 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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

ProviderMax 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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