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

Ottawa County property record for 381 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Duplex
Details	4 bd · 2 ba · 2,622 sqft · built 1913
Lot Size	0.505 acres (22,002 sqft)
Owner	Individual Name on File
Tax Bill	$2,789 (2025)
Deeds & Mortgages	May 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`043887-2`

Property Details

APN / Parcel Number

Primary APN	`043887-2`
Alternative APN	`027-20773-34025-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Total Rooms	8 Rooms
Units	2 Units
Stories	2 Stories
Building Area	2,622 sqft Total Area
1st Floor Area	1,362 sqft
Upper Floors Area	1,260 sqft
Attic	Attic
Attic Area	840 sqft
Basement Area	1,110 sqft
Unfinished Basement	270 sqft

Exterior

Year Built	Built 1913
Effective Year Built	Effective 1913
Architectural Style	Duplex Single
Exterior Material	Brick
Lot Area	22,002 sqft (0.505 acres)
Lot Dimensions	200 ft deep x 110 ft wide

Exterior Amenities

Porch	Slab
Porch Area	108 sqft
Deck Area	224 sqft
Patio Area	224 sqft
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	043887-2
Street Address	381 E WATER ST
City	OAK HARBOR
State	OH
Zip	43449-1456
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	S04 T06 R15 110 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

Owner

381 E Water St, a duplex, is owned by an individual.

Source: Ottawa County records, as of April 20, 2026

Owner of Record	Individual Name on File
Mailing Address	9442 W PORTAGE RIVER SOUTH RD, OAK HARBOR, OH 43449-9611
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	381 E WATER ST, OAK HARBOR, OH 43449-1456
Transaction Type	Mortgage
Record Updated	Feb 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9442 W PORTAGE RIVER SOUTH RD, OAK HARBOR, OH 43449-9611

Mortgage

Document Number	0000317477
Date	May 10, 2022
Book Page	1897/721
Instrument	2022-317477

Lender

Name	THE GENOA BANKING CO
Type	Bank
Address	ROSSFORD, OH 43460

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	179 Months
Due	Apr 26, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 381 E Water St was $2,789, up 18.8% from the year before.

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	$2,789.00 (+18.78%)	$62,461 (+19.68%) Land $16,079 Building $46,382
2024	$2,348.00 (+32.13%)	$52,192 (+50.61%) Land $16,079 Building $36,113	$178,460 Land $45,940 Building $132,520
2023	$1,777.00 (+16.75%)	$34,654 (+13.29%) Land $13,391 Building $21,263
2022	$1,522.00	$30,590 Land $13,391 Building $17,199
2021			$99,010 Land $38,260 Building $60,750

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 381 E Water St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire risk around 381 E Water 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	Direct burnable vegetation

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 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