Ottawa County property record for 348 N Locust St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,450 sqft · built 1913 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $50,000 (Jun 1996) |
| Tax Bill | $2,222 (2025) |
| Deeds & Mortgages | Dec 2020 Mortgage Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043145-1 |
| Primary APN | 043145-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 1,450 sqft Living Area |
| Gross Area | 2,400 sqft |
| 1st Floor Area | 912 sqft |
| Upper Floors Area | 288 sqft |
| Attic | Attic |
| Attic Area | 624 sqft |
| Basement Area | 576 sqft |
| Unfinished Basement | 288 sqft |
| Year Built | Built 1913 |
|---|---|
| Effective Year Built | Effective 1913 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 165 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 256 sqft |
| Deck Area | 416 sqft |
| Patio Area | 528 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043145-1 |
|---|---|
| Street Address | 348 N LOCUST ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1224 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 6 J H KRAEMERS |
| Legal Subdivision | J H KRAEMERS ADDITION |
| Legal Lot Number | 6 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 50700 |
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 | Individual Name on File |
|---|---|
| Mailing Address | 348 N LOCUST ST, OAK HARBOR, OH 43449-1224 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 30, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Mar 26, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 7, 1996 · Amount on File |
| Deed Sale | Jun 7, 1996 · Amount on File |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 348 N LOCUST ST, OAK HARBOR, OH 43449-1224 |
| Transaction Type | Mortgage |
| Record Updated | Jun 2, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000302112 |
|---|---|
| Date | Dec 30, 2020 |
| Book Page | 1813/522 |
| Instrument | 202000302112 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2036 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 348 N LOCUST ST, OAK HARBOR, OH 43449-1224 |
| Document Number | 0000284034 |
| Instrument Date | Mar 26, 2019 |
| Transaction Type | Mortgage |
| Record Updated | May 20, 2019 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, SIMPLIFILE LC E-RECORDING |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 348 N LOCUST ST OAK HARBOR OH 434491224, OAK HARBOR, OH 43449-1224 |
| Document Number | 0000284034 |
|---|---|
| Date | Apr 5, 2019 |
| Book Page | 001714/000460 |
| Instrument | 284034 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 4, 2034 |
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 | $2,222.00 (-0.76%) | $50,673 (-) Land $8,981 Building $41,692 | |
| 2024 | $2,239.00 (+10.68%) Homeowner's exemption | $50,673 (+26.25%) Land $8,981 Building $41,692 | $144,780 (+26.25%) Land $25,660 Building $119,120 |
| 2023 | $2,023.00 (+3.16%) Homeowner's exemption | $40,138 (-) Land $7,483 Building $32,655 | |
| 2022 | $1,961.00 Homeowner's exemption | $40,138 Land $7,483 Building $32,655 | |
| 2021 | $114,680 Land $21,380 Building $93,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 68% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 205 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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