Ottawa County property record for 520 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,687 sqft · built 1921 |
| Lot Size | 0.68 acres (29,621 sqft) |
| Owner | Individual Name on File |
| Last Sale | $155,000 (Oct 2002) |
| Tax Bill | $2,899 (2025) |
| Flood Zone | Zone X (minimal risk) |
| APN | 042908-3 |
| Primary APN | 042908-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 1,687 sqft Living Area |
| Gross Area | 2,422 sqft |
| 1st Floor Area | 882 sqft |
| Upper Floors Area | 700 sqft |
| Basement Area | 700 sqft |
| Game Room | Game Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1921 |
|---|---|
| Effective Year Built | Effective 1921 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 29,621 sqft (0.68 acres) |
| Garage Type | Detached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
|---|---|
| Porch Area | 230 sqft |
| Deck Area | 180 sqft |
| Patio Area | 180 sqft |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 042908-3 |
|---|---|
| Street Address | 520 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1535 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 SW COR SE 1/4 NE 1/4 (100 FT FRTG) NEW LEGAL NEXT TRANSFER |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 50700 |
520 E Water St is owned and occupied by an individual who acquired it in August 2017.
Source: Ottawa County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 520 E WATER ST, OAK HARBOR, OH 43449-1535 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 8, 2002 · Amount on File |
| Deed Sale | Oct 8, 2002 · Amount on File |
| Last Transfer Date | Aug 16, 2017 |
| Transfer Doc | 0000269700 |
| Record Updated | Jun 8, 2026 |
The 2025 property tax bill for 520 E Water St was $2,899, down 1.3% 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 | $2,899.00 (-1.26%) | $76,335 (-) Land $21,119 Building $55,216 | |
| 2024 | $2,936.00 (+40.28%) | $76,335 (+50.51%) Land $21,119 Building $55,216 | $218,100 Land $60,340 Building $157,760 |
| 2023 | $2,093.00 (+2.2%) | $50,719 (-) Land $13,199 Building $37,520 | |
| 2022 | $2,048.00 | $50,719 Land $13,199 Building $37,520 | |
| 2021 | $144,910 Land $37,710 Building $107,200 |
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 520 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 risk around 520 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 99.1% of the US · lower than 96% of Ohio |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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