Ottawa County property record for 328 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,365 sqft · built 1860 |
| Lot Size | 0.384 acres (16,744 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (Jun 2026) |
| Tax Bill | $2,396 (2025) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage May 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042607-7 |
| Primary APN | 042607-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,365 sqft Living Area |
| Gross Area | 1,498 sqft |
| 1st Floor Area | 966 sqft |
| Year Built | Built 1860 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Combination |
| Foundation Type | Raised |
| Lot Area | 16,744 sqft (0.384 acres) |
| Lot Dimensions | 197 ft deep x 85 ft wide |
| Garage Type | Detached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 132 sqft |
| Shed | 1 Shed |
| Shed Area | 165 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 042607-7 |
|---|---|
| Street Address | 328 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1455 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 N MID PT NE 1/4 SW 1/4 (84.5 X 211) |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 50700 |
Source: Ottawa County records, as of June 26, 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 | 328 E WATER ST, OAK HARBOR, OH 43449-1455 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 17, 2026 | Warranty Deed, Transfer · FHA Mortgage OHIO HOUSING FINANCE AGENCY |
| May 7, 2021 | Special Warranty Deed, Transfer |
| Sep 21, 2020 | Warranty Deed, Transfer NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 17, 2026 · Amount on Record |
| Deed Sale | Jun 17, 2026 · Amount on Record |
| Prior Sale | Oct 7, 2024 · Amount on Record |
| Deed Document Number | 20263711 |
| Deed Book / Page | 2087 / 304 |
| Prior Transfer Date | Aug 31, 1993 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Jun 17, 2026 |
| Property Address | 328 E WATER ST, OAK HARBOR, OH 43449-1455 |
| Document Number | 0000003711 |
| Book / Page | 2087 / 304 |
| Instrument Date | Apr 15, 2026 |
| Instrument | 20263711 |
| Transaction Type | Transfer |
| Record Updated | Jun 26, 2026 |
| Title Company | GREATER METROPOLITAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $72,720.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 328 E WATER ST, OAK HARBOR, OH 43449-1455 |
| Document Number | 0000003712, |
|---|---|
| Date | Jun 17, 2026 |
| Instrument | 20263712 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Number | 0000003713, |
|---|---|
| Date | Jun 17, 2026 |
| Book Page | 2087/325 |
| Instrument | 20263713 |
| Name | OHIO HOUSING FINANCE AGENCY |
|---|
| Amount | Amount Recorded |
|---|
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 7, 2021 |
| Property Address | 328 E WATER ST, OAK HARBOR, OH 43449-1455 |
| Document Number | 0000306422 |
| Book / Page | 1837 / 954 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 2021-306422 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6727 ROAD D, LEIPSIC, OH 45856-9499 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Sep 21, 2020 |
| Property Address | 328 E WATER ST, OAK HARBOR, OH 43449-1455 |
| Document Number | 0000298854 |
| Book / Page | 001795 / 000040 |
| Instrument Date | Aug 12, 2020 |
| Instrument | 298854 |
| Transaction Type | Transfer |
| Record Updated | Oct 12, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 60 LIVINGSTON AVE ST PAUL MN 551072292, ST PAUL, MN 55107-2292 |
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 | $2,396.00 (-2.68%) | $54,730 (-) Land $13,776 Building $40,954 | |
| 2024 | $2,462.00 (+33.66%) | $54,730 (+52.36%) Land $13,776 Building $40,954 | $156,370 (+52.36%) Land $39,360 Building $117,010 |
| 2023 | $1,842.00 (+3.54%) | $35,921 (+0.41%) Land $11,480 Building $24,441 | |
| 2022 | $1,779.00 | $35,774 Land $11,480 Building $24,294 | |
| 2021 | $102,630 Land $32,800 Building $69,830 |
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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