Ottawa County property record for 435 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,216 sqft · built 2006 |
| Lot Size | 0.429 acres (18,687 sqft) |
| Owner | Trust Name on File |
| Tax Bill | $3,458 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 042902-1 |
| Primary APN | 042902-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 2,216 sqft Living Area |
| Gross Area | 2,840 sqft |
| 1st Floor Area | 2,216 sqft |
| Attic | Attic |
| Attic Area | 624 sqft |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | No Foundation |
| Lot Area | 18,687 sqft (0.429 acres) |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 18 sqft |
| Patio Area | 168 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 042902-1 |
|---|---|
| Street Address | 435 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1534 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 SW PT NE 1/4 |
| 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 |
435 E Water St is owner-occupied and held in a trust.
Source: Ottawa County records, as of April 20, 2026
| Owner of Record | Trust Name on File |
|---|---|
| Mailing Address | 435 E WATER ST, OAK HARBOR, OH 43449-1534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Trust |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 435 E Water St was $3,458, down 1.2% 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 | $3,458.00 (-1.17%) | $89,128 (-) Land $12,677 Building $76,451 | |
| 2024 | $3,499.00 (+14.12%) | $89,128 (+27.19%) Land $12,677 Building $76,451 | $254,650 Land $36,220 Building $218,430 |
| 2023 | $3,066.00 (+2.47%) | $70,077 (-) Land $11,522 Building $58,555 | |
| 2022 | $2,992.00 | $70,077 Land $11,522 Building $58,555 | |
| 2021 | $200,220 Land $32,920 Building $167,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 E Water St in Zone X, an area of minimal flood risk, within 100 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 100 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 risk around 435 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.
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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