Ottawa County property record for 400 N Locust St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,424 sqft · built 1930 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | Individual Name on File |
| Last Sale | $80,000 (Jun 2003) |
| Tax Bill | $1,637 (2025) |
| Deeds & Mortgages | Dec 2025 Line of Credit Jun 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 043147-5 |
| Primary APN | 043147-5 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| Gross Area | 1,672 sqft |
| 1st Floor Area | 1,016 sqft |
| Upper Floors Area | 208 sqft |
| Attic | Attic |
| Attic Area | 240 sqft |
| Year Built | Built 1930 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Raised |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Dimensions | 165 ft deep x 66 ft wide |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 128 sqft |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043147-5 |
|---|---|
| Street Address | 400 N LOCUST ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 7 J H KRAEMERS |
| Legal Subdivision | J H KRAE |
| Legal Lot Number | 7 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 50700 |
Source: Ottawa County records, as of June 17, 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 | 400 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 15, 2025 | Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING LLC |
| Jun 8, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 16, 2003 · Amount on File |
| Deed Sale | Jun 16, 2003 · Amount on File |
| Prior Sale | Jun 16, 2003 · Amount on File |
| Deed Document Number | 2003121854 |
| Deed Book / Page | 926 / 270 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 400 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Transaction Type | Mortgage |
| Record Updated | Jun 16, 2026 |
| Name | Verified Name |
|---|---|
| Address | 400 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Document Number | 0000007982 |
|---|---|
| Date | Dec 15, 2025 |
| Book Page | 2062/923 |
| Instrument | 202500007982 |
| Name | LAKEVIEW LOAN SERVICING LLC |
|---|---|
| Type | Mortgage Company |
| Address | MIAMI, FL 33146 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Jan 1, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Jun 8, 2026 |
| Property Address | 400 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Document Number | 0000003436 |
| Book / Page | 2085 / 600 |
| Instrument Date | May 31, 2026 |
| Instrument | 20263436 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 400 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Investor | Possibly a Property Investor |
| Document Number | 0000003436, |
|---|---|
| Date | Jun 8, 2026 |
| Book Page | 2085/600 |
| Instrument | 20263436 |
| Name | FIGURE LENDING LLC |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 25, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
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 | $1,637.00 (-0.73%) | $37,366 (-) Land $8,981 Building $28,385 | |
| 2024 | $1,649.00 (+12.87%) Homeowner's exemption | $37,366 (+28.81%) Land $8,981 Building $28,385 | $106,760 (+28.81%) Land $25,660 Building $81,100 |
| 2023 | $1,461.00 (+3.25%) Homeowner's exemption | $29,008 (-) Land $7,483 Building $21,525 | |
| 2022 | $1,415.00 Homeowner's exemption | $29,008 Land $7,483 Building $21,525 | |
| 2021 | $82,880 Land $21,380 Building $61,500 |
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.
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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