Ottawa County property record for 365 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,206 sqft · built 1920 |
| Lot Size | 0.184 acres (8,002 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $42,000 (Apr 2023) |
| Tax Bill | $1,521 (2025) |
| Deeds & Mortgages | May 2023 Line of Credit Apr 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-10215-13683-000 |
| Primary APN | 027-10215-13683-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,206 sqft Living Area |
| Gross Area | 2,078 sqft |
| 1st Floor Area | 1,072 sqft |
| Attic | Attic |
| Attic Area | 336 sqft |
| Basement Area | 670 sqft |
| Finished Basement | 480 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Exterior Material | Other |
| Lot Area | 8,002 sqft (0.184 acres) |
| Lot Dimensions | 200 ft deep x 40 ft wide |
| Garage Area | 200 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
|---|---|
| Porch Area | 233 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043067-0 |
|---|---|
| Street Address | 365 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 NE PT NE 1/4 SW 1/4 (40 X 200) |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Legal Subdivision | LAKESIDE |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 50700 |
Source: Ottawa County records, as of October 9, 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 | 365 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 9, 2023 | Deed of Trust, Mortgage · Line of Credit COMMODORE PERRY FCU |
| Apr 4, 2023 | Warranty Deed, Transfer · Conventional Mortgage COMMODORE PERRY FCU |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 4, 2023 · Amount on Record |
| Deed Sale | Apr 4, 2023 · Amount on Record |
| Prior Sale | Feb 19, 2009 · Amount on Record |
| Deed Document Number | 20232039 |
| Deed Book / Page | 1941 / 448 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 365 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Transaction Type | Mortgage |
| Record Updated | May 26, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000002863 |
|---|---|
| Date | May 9, 2023 |
| Book Page | 1946/47 |
| Instrument | 202300002863 |
| Name | COMMODORE PERRY FCU |
|---|---|
| Type | Credit Union |
| Address | OAK HARBOR, OH 43449 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Jun 1, 2038 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Apr 4, 2023 |
| Property Address | 365 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Document Number | 0000002039 |
| Book / Page | 1941 / 448 |
| Map Reference | MB 1252 PG 417 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 2023-002039 |
| Transaction Type | Transfer |
| Record Updated | Apr 14, 2023 |
| Title Company | RIT COAST TITLE, TRI COAST TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 365 E WATER ST, OAK HARBOR, OH 43449-1456 |
| Document Number | 0019410449 |
|---|---|
| Date | Apr 4, 2023 |
| Instrument | 1941-0449 |
| Name | COMMODORE PERRY FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | May 1, 2038 |
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 | $1,521.00 (-0.72%) | $34,070 (-) Land $7,347 Building $26,723 | |
| 2024 | $1,532.00 (+4.29%) | $34,070 (+18.91%) Land $7,347 Building $26,723 | $97,340 (+18.91%) Land $20,990 Building $76,350 |
| 2023 | $1,469.00 (+3.09%) | $28,652 (-) Land $6,122 Building $22,530 | |
| 2022 | $1,425.00 | $28,652 Land $6,122 Building $22,530 | |
| 2021 | $81,860 Land $17,490 Building $64,370 |
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 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 | 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 161 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Omni Fiber Fiber | 10,000 / 10,000 |
| Spectrum Cable | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| Amplex Wireless Fixed Wireless | 100 / 20 |
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