Ottawa County property record for 331 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,824 sqft · built 1931 |
| Lot Size | 0.459 acres (19,998 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (May 2015) |
| Tax Bill | $2,985 (2025) |
| Deeds & Mortgages | May 2026 Line of Credit May 2023 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 042496-5 |
| Primary APN | 042496-5 |
|---|---|
| Alternative APN |
|
| 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 | 1,824 sqft Living Area |
| Gross Area | 3,506 sqft |
| 1st Floor Area | 892 sqft |
| Upper Floors Area | 932 sqft |
| Attic | Attic |
| Attic Area | 806 sqft |
| Basement Area | 876 sqft |
| Unfinished Basement | 70 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1931 |
|---|---|
| Effective Year Built | Effective 1931 |
| Exterior Material | Brick |
| Construction Type | Brick |
| Lot Area | 19,998 sqft (0.459 acres) |
| Lot Dimensions | 200 ft deep x 100 ft wide |
| Garage Type | Detached |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 196 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 042496-5 |
|---|---|
| Street Address | 331 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1456 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 N PT NE 1/4 SW 1/4 (100 X 200) |
| 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 |
Source: Ottawa County records, as of May 18, 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 | 1711 W FREMONT RD, PORT CLINTON, OH 43452-9667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Date | Document |
|---|---|
| May 7, 2026 | Deed of Trust, Mortgage · Line of Credit COMMODORE PERRY FEDERAL CREDIT UNION |
| May 24, 2023 | Deed of Trust, Mortgage · Line of Credit COMMODORE PERRY FCU |
| Mar 15, 2022 | Deed of Trust, Mortgage · Line of Credit COMMODORE PERRY FCU |
| May 1, 2020 | Deed of Trust, Mortgage · Conventional Mortgage COMMODORE PERRY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2015 · Amount on Record |
| Deed Sale | May 1, 2015 · Amount on Record |
| Prior Sale | Sep 26, 2006 · Amount on Record |
| Deed Document Number | 2015249045 |
| Deed Book / Page | 1543 / 431 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 7, 2026 |
| Property Address | 331 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Document Number | 0000002717 |
| Book / Page | 2081 / 6 |
| Instrument Date | Apr 14, 2026 |
| Instrument | 20262717 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 331 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Document Number | 0000002717, |
|---|---|
| Date | May 7, 2026 |
| Book Page | 2081/6 |
| Instrument | 20262717 |
| Name | COMMODORE PERRY FEDERAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 14, 2041 |
| Rate | 5.54% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 331 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Transaction Type | Mortgage |
| Record Updated | Jun 9, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000003199 |
|---|---|
| Date | May 24, 2023 |
| Book Page | 1947/799 |
| Instrument | 202300003199 |
| Name | COMMODORE PERRY FCU |
|---|---|
| Type | Credit Union |
| Address | OAK HARBOR, OH 43449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 182 Months |
| Due | Jul 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 331 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 6, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000315950 |
|---|---|
| Date | Mar 15, 2022 |
| Book Page | 1889/474 |
| Instrument | 2022-315950 |
| Name | COMMODORE PERRY FCU |
|---|---|
| Type | Credit Union |
| Address | OAK HARBOR, OH 43449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Apr 1, 2037 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 331 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000294198 |
|---|---|
| Date | May 1, 2020 |
| Book Page | 1767/918 |
| Instrument | 202000294198 |
| Name | COMMODORE PERRY FCU |
|---|---|
| Type | Credit Union |
| Address | OAK HARBOR, OH 43449 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2035 |
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 | $2,985.00 (-0.76%) | $68,156 (-) Land $15,159 Building $52,997 | |
| 2024 | $3,008.00 (+8.59%) Homeowner's exemption | $68,156 (+23.91%) Land $15,159 Building $52,997 | $194,730 (+23.91%) Land $43,310 Building $151,420 |
| 2023 | $2,770.00 (+3.2%) Homeowner's exemption | $55,003 (-) Land $12,628 Building $42,375 | |
| 2022 | $2,684.00 Homeowner's exemption | $55,003 Land $12,628 Building $42,375 | |
| 2021 | $157,150 Land $36,080 Building $121,070 |
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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