462 E Water St, Oak Harbor, OH 43449 Property Records

Ottawa County property record for 462 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 2,604 sqft · built 1890
Lot Size	0.979 acres (42,645 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,314 (2025)
Deeds & Mortgages	Apr 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`027-10151-07742-001`

Property Details

APN / Parcel Number

Primary APN	`027-10151-07742-001`
Alternative APN	`042866-0`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	7 Plumbing Fixtures
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	2,604 sqft Living Area
Gross Area	4,015 sqft
1st Floor Area	1,463 sqft
Upper Floors Area	1,051 sqft
Attic	Attic
Attic Area	225 sqft
Basement Area	1,276 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 2022
Exterior Material	Brick
Lot Area	42,645 sqft (0.979 acres)
Garage Type	Detached
Garage Area	1,144 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	544 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	042866-0
Street Address	462 E WATER ST
City	OAK HARBOR
State	OH
Zip	43449-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S04 T06 R15 NW PT NE 1/4 (N&E OF PARK) (REAR)
Legal Range	15E
Legal Township	06N
Legal Section	04
Jurisdiction	OTTAWA OH
Township / Civil Division	SALEM
Census Block Group	2
Census Block	2015
Census Tract	50700

Owner

462 E Water St is owned and occupied by two individuals.

Source: Ottawa County records, as of April 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	462 E WATER ST, OAK HARBOR, OH 43449-1533
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	462 E WATER ST, OAK HARBOR, OH 43449-1533
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000293842
Date	Apr 20, 2020
Book Page	1765/476
Instrument	202000293842

Lender

Name	THE CROGHAN COLONIAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2025 property tax bill for 462 E Water St was $3,314 with a homeowner's exemption, down 0.7% from the year before.

Source: Ottawa County assessment roll, as of April 20, 2026

Property Jurisdictions

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)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,314.00 (-0.75%)	$75,635 (-) Land $17,388 Building $58,247
2024	$3,339.00 (+12.31%) Homeowner's exemption	$75,635 (+28.11%) Land $17,388 Building $58,247	$216,100 Land $49,680 Building $166,420
2023	$2,973.00 (+16.5%) Homeowner's exemption	$59,038 (+12.86%) Land $15,806 Building $43,232
2022	$2,552.00 Homeowner's exemption	$52,311 Land $15,806 Building $36,505
2021			$168,680 Land $45,160 Building $123,520

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 462 E Water St in Zone X, an area of minimal flood risk, within 500 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 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.

Wildfire

Wildfire risk around 462 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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