Ottawa County property record for 455 E Water St, #E, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,568 sqft · built 2022 |
| Lot Size | 1.04 acres (45,694 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,448 (2025) |
| Deeds & Mortgages | Jul 2022 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 042903-8 |
| Primary APN | 042903-8 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,568 sqft Living Area |
| Gross Area | 3,902 sqft |
| 1st Floor Area | 1,334 sqft |
| Upper Floors Area | 1,234 sqft |
| Basement Area | 1,334 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Lot Area | 45,694 sqft (1.04 acres) |
| Garage Area | 400 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Slab |
| Porch Area | 90 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Account Number | 042903-8 |
|---|---|
| Street Address | 455 E WATER ST, E |
| 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 |
455 E Water St, #E is owned and occupied by an individual.
Source: Ottawa County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 455 E WATER ST, OAK HARBOR, OH 43449-1534 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
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 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 455 E WATER ST # E, E, OAK HARBOR, OH 43449-1534 |
| Transaction Type | Mortgage |
| Record Updated | Apr 20, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000319002 |
|---|---|
| Date | Jul 8, 2022 |
| Book Page | 1905/869 |
| Instrument | 2022-319002 |
| Name | PREMIER BANK |
|---|---|
| Type | Bank |
| Address | YOUNGSTOWN, OH 44503 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 371 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2033 |
| Change Frequency | Annually |
| Min Rate At Change | 2.5% |
| Max Rate At Change | 9% |
| Index | 1-Year CMT |
| Max Rate | 9% |
The 2025 property tax bill for 455 E Water St, #E was $5,448 with a homeowner's exemption, down 0.7% 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 | $5,448.00 (-0.75%) | $124,443 (-) Land $21,350 Building $103,093 | |
| 2024 | $5,489.00 (+33.2%) Homeowner's exemption | $124,443 (+54.9%) Land $21,350 Building $103,093 | $355,550 Land $61,000 Building $294,550 |
| 2023 | $4,121.00 | $80,339 Land $13,342 Building $66,997 | |
| 2022 | Additional exemption filed | ||
| 2021 | $229,540 Land $38,120 Building $191,420 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 455 E Water St, #E 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 455 E Water St, #E 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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