Ottawa County property record for 341 E Ottawa St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,656 sqft · built 1961 |
| Lot Size | 0.366 acres (15,960 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $255,000 (Jan 2025) |
| Tax Bill | $3,062 (2025) |
| Deeds & Mortgages | Nov 2025 Mortgage Feb 2024 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 043651-7 |
| Primary APN | 043651-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,792 sqft |
| 1st Floor Area | 1,656 sqft |
| Basement Area | 1,136 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1961 |
|---|---|
| Effective Year Built | Effective 2023 |
| Exterior Material | Wood |
| Lot Area | 15,960 sqft (0.366 acres) |
| Lot Dimensions | 210 ft deep x 76 ft wide |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 326 sqft |
| Patio Area | 220 sqft |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043651-7 |
|---|---|
| Street Address | 341 E OTTAWA ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1435 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 19 MINNIE FINKE 2 |
| Legal Subdivision | MINNIE FINKES SECOND ADDITION |
| Legal Lot Number | 19 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 50700 |
341 E Ottawa St is owned and occupied by two individuals who bought it in January 2025.
Source: Ottawa County records, as of April 20, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Remainderman |
| Date | Document |
|---|---|
| Nov 20, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Feb 29, 2024 | Survivorship Deed, Transfer · Conventional Mortgage RUOFF MORTGAGE COMPANY INC |
| Jan 2, 2024 | Deed of Trust, Mortgage · Line of Credit PNC BANK NA |
| May 11, 2021 | Survivorship Deed, Transfer |
| May 11, 2021 | Survivorship Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 7, 2025 · Amount on File |
| Deed Sale | Jan 7, 2025 · Amount on File |
| Prior Sale | Feb 29, 2024 · Amount on File |
| Deed Document Number | 202596 |
| Deed Book / Page | 2018 / 841 |
| Prior Transfer Date | Jan 28, 2020 |
| Prior Transfer Doc | 0000292104 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Transaction Type | Mortgage |
| Record Updated | Dec 8, 2025 |
| Name | Verified Name |
|---|---|
| Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000007426 |
|---|---|
| Date | Nov 20, 2025 |
| Book Page | 2059/555 |
| Instrument | 202500007426 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Feb 29, 2024 |
| Property Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000001122 |
| Book / Page | 1979 / 968 |
| Map Reference | VOL 12 PG 13 |
| Instrument Date | Feb 26, 2024 |
| Instrument | 202400001122 |
| Transaction Type | Transfer |
| Record Updated | Mar 13, 2024 |
| Title Company | BUCKEYE TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000001123 |
|---|---|
| Date | Feb 29, 2024 |
| Instrument | 202400001123 |
| Name | RUOFF MORTGAGE COMPANY INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Transaction Type | Mortgage |
| Record Updated | Jan 16, 2024 |
| Name | Verified Name |
|---|---|
| Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000000002 |
|---|---|
| Date | Jan 2, 2024 |
| Book Page | 1974/36 |
| Instrument | 202400000002 |
| Name | PNC BANK NA |
|---|---|
| Type | Bank |
| Address | WILMINGTON, DE 19801 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 480 Months |
| Due | Jan 1, 2064 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 11, 2021 |
| Property Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000306517 |
| Book / Page | 1838 / 374 |
| Map Reference | VOL 11 PG 12 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021-306517 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Type | Survivorship Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | May 11, 2021 |
| Property Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
| Document Number | 0000306516 |
| Book / Page | 1838 / 373 |
| Map Reference | VOL 11 PG 12 |
| Instrument Date | May 11, 2021 |
| Instrument | 2021-306516 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Right of Survivorship |
| Address | 341 E OTTAWA ST, OAK HARBOR, OH 43449-1435 |
The 2025 property tax bill for 341 E Ottawa St was $3,062, up 2.5% from the year before.
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 | $3,062.00 (+2.48%) | $68,562 (+1.21%) Land $13,073 Building $55,489 | |
| 2024 | $2,988.00 (+26.34%) Homeowner's exemption | $67,743 (+44.2%) Land $13,073 Building $54,670 | $195,890 Land $37,350 Building $158,540 |
| 2023 | $2,365.00 (+3.18%) Homeowner's exemption | $46,978 (-) Land $10,889 Building $36,089 | |
| 2022 | $2,292.00 Homeowner's exemption | $46,978 Land $10,889 Building $36,089 | |
| 2021 | $134,220 Land $31,110 Building $103,110 |
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.
FEMA maps place 341 E Ottawa St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.
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 Policies | 1 in force |
| Nearby Flood Claims | 6 (1980–1998) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Apr 1998 · river or lake flooding |
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 risk around 341 E Ottawa St is low, with less than a 0.01% annual chance of 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.
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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