Ottawa County property record for 540 West Ave, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,060 sqft · built 1991 |
| Lot Size | 0.442 acres (19,249 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $173,000 (May 2012) |
| Tax Bill | $3,824 (2025) |
| Deeds & Mortgages | Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 043040-3 |
| Primary APN | 043040-3 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,060 sqft Living Area |
| Gross Area | 3,078 sqft |
| 1st Floor Area | 1,042 sqft |
| Upper Floors Area | 1,018 sqft |
| Basement Area | 1,018 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Lot Area | 19,249 sqft (0.442 acres) |
| Lot Dimensions | 175 ft deep x 110 ft wide |
| Garage Area | 728 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 92 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 043040-3 |
|---|---|
| Street Address | 540 WEST AVE |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1545 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 23 HARVEST ESTATES 2 |
| Legal Subdivision | HARVEST ESTATES |
| Legal Lot Number | 23 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 2 |
| Census Block | 2016 |
| Census Tract | 50700 |
Source: Ottawa County records, as of April 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 540 WEST AVE, 822549, OAK HARBOR, OH 43449-1545 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants with Right of Survivorship |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 10, 2012 · Amount on Record |
| Deed Sale | May 10, 2012 · Amount on Record |
| Prior Sale | Sep 4, 1992 |
| Deed Document Number | 2012220794 |
| Deed Book / Page | 1405 / 243 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 540 WEST AVE, OAK HARBOR, OH 43449-1545 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000297907 |
|---|---|
| Date | Aug 24, 2020 |
| Book Page | 1789/403 |
| Instrument | 202000297907 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Address | SIOUX FALLS, SD 57104 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2040 |
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 | $3,824.00 (-0.75%) | $87,343 (-) Land $16,545 Building $70,798 | |
| 2024 | $3,853.00 (+11.33%) Homeowner's exemption | $87,343 (+27.06%) Land $16,545 Building $70,798 | $249,550 (+27.06%) Land $47,270 Building $202,280 |
| 2023 | $3,461.00 (+3.22%) Homeowner's exemption | $68,740 (-) Land $15,036 Building $53,704 | |
| 2022 | $3,353.00 Homeowner's exemption | $68,740 Land $15,036 Building $53,704 | |
| 2021 | $196,400 Land $42,960 Building $153,440 |
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.
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.
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 | 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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