Ottawa County property record for 404 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 896 sqft · built 1948 |
| Lot Size | 0.227 acres (9,901 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $82,000 (Mar 2002) |
| Tax Bill | $1,317 (2025) |
| Deeds & Mortgages | Aug 2021 Mortgage Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 027-11058-14778-000 |
| Primary APN | 027-11058-14778-000 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 896 sqft Living Area |
| 1st Floor Area | 896 sqft |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 9,901 sqft (0.227 acres) |
| Lot Dimensions | 198 ft deep x 50 ft wide |
| Garage Type | Detached |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 84 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043618-0 |
|---|---|
| Street Address | 404 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1533 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2 PARK (50 X 198) |
| Legal Lot Number | 2 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 50700 |
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 | 404 E WATER ST, 10820, OAK HARBOR, OH 43449-1533 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCING CORP |
| Dec 6, 2018 | Deed of Trust, Mortgage · Conventional Mortgage DITECH FINANCIAL LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 14, 2002 · Amount on Record |
| Deed Sale | Mar 14, 2002 · Amount on Record |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 404 E WATER ST, OAK HARBOR, OH 43449-1533 |
| Transaction Type | Mortgage |
| Record Updated | Mar 16, 2022 |
| Title Company | FITCO |
| Name | Verified Name |
|---|
| Document Number | 0000309852 |
|---|---|
| Date | Aug 23, 2021 |
| Book Page | 1856/643 |
| Instrument | 2021-309852 |
| Name | AMERICAN FINANCING CORP |
|---|---|
| Type | Lending Institution |
| Address | AURORA, CO 80014 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2041 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 404 E WATER ST, OAK HARBOR, OH 43449-1533 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000281609 |
|---|---|
| Date | Dec 6, 2018 |
| Book Page | 1702/0936 |
| Instrument | 201800281609 |
| Name | DITECH FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | FORT WASHINGTON, PA 19034 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Dec 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 | $1,317.00 (-0.75%) | $29,499 (-) Land $5,933 Building $23,566 | |
| 2024 | $1,327.00 (+12.17%) | $29,499 (+27.9%) Land $5,933 Building $23,566 | $84,280 (+27.89%) Land $16,950 Building $67,330 |
| 2023 | $1,183.00 (+3.14%) | $23,065 (-) Land $5,390 Building $17,675 | |
| 2022 | $1,147.00 | $23,065 Land $5,390 Building $17,675 | |
| 2021 | $65,900 Land $15,400 Building $50,500 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 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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