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

Ottawa County property record for 344 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,775 sqft · built 1993
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on Record
Last Sale	$166,000 (Aug 2017)
Tax Bill	$3,296 (2025)
Deeds & Mortgages	Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`027-06254-13555-000`

Property Details

APN / Parcel Number

Primary APN	`027-06254-13555-000`
Alternative APN	`042710-0`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,775 sqft Living Area
1st Floor Area	1,775 sqft

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Aluminum/Vinyl
Foundation Type	Raised
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	200 ft deep x 101 ft wide
Garage Area	1,056 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	144 sqft
Patio Area	196 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042710-0
Street Address	344 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 W PT S 1/2 LOT 3 EMERY THIERWECHTER'S & 55 FT SEC 4 101 X 200
Legal Range	15E
Legal Township	06N
Legal Section	04
Legal Subdivision	EMERY
Legal Lot Number	3
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	3
Census Block	3005
Census Tract	50700

Owner

Source: Ottawa County records, as of April 20, 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	344 E WATER ST, OAK HARBOR, OH 43449-1455
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 18, 2017 · Amount on Record
Deed Sale	Aug 18, 2017 · Amount on Record
Deed Document Number	2017269745
Deed Book / Page	1645 / 419
Prior Transfer Date	Jul 13, 2011
Prior Transfer Doc	0000213297
Record Updated	Oct 29, 2026

August 2017: Survivorship Deed, Transfer

Document Type	Survivorship Deed
Jurisdiction	OTTAWA OH
Recording Date	Aug 18, 2017
Property Address	344 E WATER ST, OAK HARBOR, OH 43449-1455
Document Number	0000269745
Book / Page	1645 / 0419
Instrument Date	Aug 18, 2017
Instrument	201700269745
Transaction Type	Transfer
Record Updated	Jul 12, 2021

Transaction

Amount	Amount Recorded
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
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	344 E WATER ST, OAK HARBOR, OH 43449-1455

Mortgage

Document Number	0000269746
Date	Aug 18, 2017
Instrument	201700269746

Lender

Name	THE CROGHAN COLONIAL BANK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2047

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	$3,296.00 (-2.66%)	$75,278 (-) Land $16,926 Building $58,352
2024	$3,386.00 (+5.61%)	$75,278 (+20.44%) Land $16,926 Building $58,352	$215,080 (+20.44%) Land $48,360 Building $166,720
2023	$3,206.00 (+3.12%)	$62,504 (-) Land $14,102 Building $48,402
2022	$3,109.00	$62,504 Land $14,102 Building $48,402
2021			$178,580 Land $40,290 Building $138,290

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