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

Ottawa County property record for 248 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,484 sqft · built 1934
Lot Size	0.207 acres (8,999 sqft)
Owner	Individual Name on File
Last Sale	$180,250 (Aug 2022)
Tax Bill	$2,503 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`042810-3`

Property Details

APN / Parcel Number

Primary APN	`042810-3`
Alternative APN	`027-10078-14685-000`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,484 sqft Living Area
Gross Area	3,252 sqft
1st Floor Area	1,114 sqft
Attic	Attic
Attic Area	924 sqft
Basement Area	1,214 sqft
Unfinished Basement	290 sqft

Exterior

Year Built	Built 1934
Effective Year Built	Effective 1994
Exterior Material	Other
Lot Area	8,999 sqft (0.207 acres)
Lot Dimensions	180 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	192 sqft
Porch	Slab
Porch Area	100 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042810-3
Street Address	248 E WATER ST
City	OAK HARBOR
State	OH
Zip	43449-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S04 T06 R15 VAC BLK 5 LOT 8 (50 X 180) KRAMER BROS
Legal Range	15E
Legal Township	06N
Legal Section	04
Legal Subdivision	KRAMER BROTHERS ADDITION
Legal Block	5
Legal Lot Number	8
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3005
Census Tract	50700

Owner

Source: Ottawa County records, as of October 9, 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	248 E WATER ST, OAK HARBOR, OH 43449-1454
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	Aug 1, 2022 · Amount on File
Deed Sale	Aug 1, 2022 · Amount on File
Prior Sale	Jun 12, 2002 · Amount on File
Deed Document Number	2022319577
Deed Book / Page	1908 / 532
Record Updated	Oct 29, 2026

August 2022: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	OTTAWA OH
Recording Date	Aug 1, 2022
Property Address	248 E WATER ST, OAK HARBOR, OH 43449-1454
Document Number	0000319577
Book / Page	1908 / 532
Instrument Date	Jul 29, 2022
Instrument	2022-319577
Transaction Type	Transfer
Record Updated	Feb 9, 2023
Title Company	RIT COAST TITLE, TRI COAST TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	248 E WATER ST, OAK HARBOR, OH 43449-1454

Mortgage

Document Number	0019080534
Date	Aug 1, 2022
Instrument	1908-0534

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

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	$2,503.00 (-0.75%)	$56,063 (-) Land $9,009 Building $47,054
2024	$2,522.00 (+4.43%)	$56,063 (+19.06%) Land $9,009 Building $47,054	$160,180 (+19.06%) Land $25,740 Building $134,440
2023	$2,415.00 (+5.14%)	$47,090 (+%) Land $7,508 Building $39,582
2022	$2,297.00 Homeowner's exemption	$47,089 Land $7,507 Building $39,582
2021			$134,540 Land $21,450 Building $113,090

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 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