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

Ottawa County property record for 570 E Water St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 3,079 sqft · built 1950
Lot Size	0.528 acres (23,000 sqft)
Owner	Individual Name on File
Last Sale	$135,000 (Apr 1992)
Tax Bill	$3,568 (2025)
Deeds & Mortgages	Jul 2020 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`042923-6`

Property Details

APN / Parcel Number

Primary APN	`042923-6`
Alternative APN	`027-10177-13629-000`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Total Rooms	9 Rooms
Stories	1 Story
Building Area	3,079 sqft Living Area
Gross Area	3,559 sqft
1st Floor Area	3,079 sqft
Basement Area	480 sqft
Unfinished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Exterior Material	Aluminum/Vinyl
Foundation Type	No Foundation
Lot Area	23,000 sqft (0.528 acres)
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	344 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	042923-6
Street Address	570 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 S MID PT SE 1/4 NE 1/4 (100 FT FRTG)
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

Owner

570 E Water St is owned and occupied by an individual who bought it in April 1992.

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

Owner of Record	Individual Name on File
Mailing Address	570 E WATER ST, OAK HARBOR, OH 43449-1535
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	Name on Deed
Last Sale	Apr 16, 1992 · Amount on File
Deed Sale	Apr 16, 1992 · Amount on File
Deed Book / Page	372 / 292
Record Updated	Jun 8, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	570 E WATER ST, OAK HARBOR, OH 43449-1535
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000296871
Date	Jul 28, 2020
Book Page	1784/34
Instrument	202000296871

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 9, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 570 E Water St was $3,568, down 1.2% 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	$3,568.00 (-1.19%)	$91,644 (-) Land $17,976 Building $73,668
2024	$3,611.00 (+27.73%)	$91,644 (+40.32%) Land $17,976 Building $73,668	$261,840 Land $51,360 Building $210,480
2023	$2,827.00 (+2.46%)	$65,310 (-) Land $11,235 Building $54,075
2022	$2,759.00	$65,310 Land $11,235 Building $54,075
2021			$186,600 Land $32,100 Building $154,500

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.

Flood

FEMA maps place 570 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 570 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 98% of the US · lower than 90% 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.

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