Ottawa County property record for 416 N Locust St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,646 sqft · built 1956 |
| Lot Size | 0.212 acres (9,239 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Apr 2004) |
| Tax Bill | $1,984 (2025) |
| Deeds & Mortgages | May 2017 Mortgage Feb 2017 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 043156-7 |
| Primary APN | 043156-7 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,646 sqft Living Area |
| Gross Area | 3,528 sqft |
| 1st Floor Area | 1,176 sqft |
| Attic | Attic |
| Attic Area | 1,176 sqft |
| Basement Area | 1,176 sqft |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 9,239 sqft (0.212 acres) |
| Lot Dimensions | 140 ft deep x 66 ft wide |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 50 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043156-7 |
|---|---|
| Street Address | 416 N LOCUST ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1133 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 11 W 140 FT J H KRAEMERS |
| Legal Subdivision | J H KRAMERS ADDITION |
| Legal Lot Number | 11 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 50700 |
416 N Locust St is owned and occupied by an individual who acquired it in December 2020.
Source: Ottawa County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 416 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| May 26, 2017 | Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA |
| Feb 9, 2017 | Quit Claim Deed, Transfer ATTORNEY ONLY |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 2, 2004 · Amount on File |
| Deed Sale | Apr 2, 2004 · Amount on File |
| Prior Sale | Apr 2, 2004 · Amount on File |
| Deed Document Number | 2004134689 |
| Deed Book / Page | 993 / 471 |
| Last Transfer Date | Dec 31, 2020 |
| Transfer Doc | 0000302197 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 416 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Document Number | 0000267663 |
| Book / Page | 001635 / 000244 |
| Instrument Date | May 26, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2017 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 416 N LOCUST ST OAK HARBOR OH 434491133, OAK HARBOR, OH 43449-1133 |
| Document Number | 0000267663 |
|---|---|
| Date | Jun 5, 2017 |
| Book Page | 001635/000244 |
| Instrument | 267663 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | CLEVELAND, OH 44114-1306 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 4, 2047 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | OTTAWA OH |
| Recording Date | Feb 9, 2017 |
| Property Address | 416 N LOCUST ST, OAK HARBOR, OH 43449-1133 |
| Document Number | 0000264835 |
| Book / Page | 001620 / 000958 |
| Instrument Date | Dec 21, 2016 |
| Instrument | 264835 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2017 |
| Title Company | ATTORNEY ONLY |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 416 N LOCUST ST OAK HARBOR OH 434491133, OAK HARBOR, OH 43449-1133 |
The 2025 property tax bill for 416 N Locust St was $1,984 with a homeowner's exemption, down 5.5% from the year before.
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 | $1,984.00 (-5.48%) | $45,329 (-) Land $8,306 Building $37,023 | |
| 2024 | $2,099.00 (+10.77%) Homeowner's exemption | $45,329 (+20.4%) Land $8,306 Building $37,023 | $129,510 Land $23,730 Building $105,780 |
| 2023 | $1,895.00 (+3.21%) Homeowner's exemption | $37,650 (-) Land $6,920 Building $30,730 | |
| 2022 | $1,836.00 Homeowner's exemption | $37,650 Land $6,920 Building $30,730 | |
| 2021 | $107,570 Land $19,770 Building $87,800 |
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.
FEMA maps place 416 N Locust St in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1980.
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.
Wildfire risk around 416 N Locust 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 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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