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

Ottawa County property record for 386 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,746 sqft · built 1965
Lot Size	0.243 acres (10,585 sqft)
Owner	Individual Name on Record
Last Sale	$173,000 (Mar 2021)
Tax Bill	$2,184 (2025)
Deeds & Mortgages	Mar 2021 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042862-2`

Property Details

APN / Parcel Number

Primary APN	`042862-2`
Alternative APN	`027-10147-13587-000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,746 sqft Living Area
1st Floor Area	1,746 sqft

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Exterior Material	Brick
Construction Type	Brick
Foundation Type	Raised
Lot Area	10,585 sqft (0.243 acres)
Lot Dimensions	189 ft deep x 56 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Slab
Porch Area	478 sqft
Shed	1 Shed
Shed Area	160 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042862-2
Street Address	386 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 E 1/2 S 1/2 LOT 7 EMERY THIERWECHTER'S SUBD 56.35 X 189.5
Legal Range	15E
Legal Township	06N
Legal Section	04
Legal Subdivision	EMERY THIERWECHTERS SUBD
Legal Lot Number	7
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	386 E WATER ST, OAK HARBOR, OH 43449-1455
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 12, 2021 · Amount on Record
Deed Sale	Mar 12, 2021 · Amount on Record
Prior Sale	May 23, 2006 · Amount on Record
Deed Document Number	2021304468
Deed Book / Page	1827 / 16
Prior Transfer Date	May 18, 2006
Prior Transfer Doc	0000163234
Record Updated	Oct 29, 2026

March 2021: Fiduciary Deed, Transfer

Document Type	Fiduciary Deed
Jurisdiction	OTTAWA OH
Recording Date	Mar 12, 2021
Property Address	386 E WATER ST, OAK HARBOR, OH 43449-1455
Document Number	0000304468
Book / Page	1827 / 16
Instrument Date	Mar 10, 2021
Instrument	202100304468
Transaction Type	Transfer
Record Updated	May 5, 2022

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

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	386 E WATER ST, OAK HARBOR, OH 43449-1455

Mortgage

Document Number	0000182717
Date	Mar 12, 2021
Instrument	1827/17

Lender

Name	GENOA BANKING CO
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2051

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	$2,184.00 (-1.44%)	$60,040 (-) Land $10,189 Building $49,851
2024	$2,216.00 (-12.38%)	$60,040 (+1.1%) Land $10,189 Building $49,851	$171,540 (+1.1%) Land $29,110 Building $142,430
2023	$2,529.00 (+2.35%)	$59,389 (-) Land $8,488 Building $50,901
2022	$2,471.00	$59,389 Land $8,488 Building $50,901
2021			$169,680 Land $24,250 Building $145,430

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
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

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