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

Ottawa County property record for 604 E Water St, Oak Harbor, OH 43449

Property Summary

Property TypeSingle Family Home
Details3 bd · 2.5 ba · 1,841 sqft · built 1959
Lot Size1.57 acres (68,563 sqft)
OwnerCompany Name on File
Last Sale$155,000 (Nov 2002)
Tax Bill$3,775 (2025)
Deeds & MortgagesFeb 2026 Mortgage
Dec 2017 Sale
+ 2 more
Flood ZoneZone X (minimal risk)
APN042747-6

Property Details

APN / Parcel Number

Primary APN042747-6
Alternative APN
  • 027-06711-13616-000

Interior

Bedrooms3 Beds
Full Baths2.5 Baths
Half Baths1 Half Bath
Plumbing Fixtures10 Plumbing Fixtures
Total Rooms6 Rooms
Stories1 Story
Building Area1,841 sqft Living Area
Gross Area3,682 sqft
1st Floor Area1,841 sqft
Basement Area1,841 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1959
Effective Year BuiltEffective 1959
Exterior MaterialBrick
Construction TypeBrick
Lot Area68,563 sqft (1.57 acres)
Garage Area1,340 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchSlab
Porch Area156 sqft
Patio Area144 sqft
Shed1 Shed
Shed Area140 sqft

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas
SewerMunicipal
Water SourceCommercial

Location & Zoning

Account Number042747-6
Street Address604 E WATER ST
CityOAK HARBOR
StateOH
Zip43449-1537
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionS04 T06 R15 PT SE COR NE 1/4
Legal Range15E
Legal Township06N
Legal Section04
JurisdictionOTTAWA OH
Township / Civil DivisionSALEM
Census Block Group2
Census Block2033
Census Tract50700

Owner

604 E Water St is owned by a company that acquired it in September 2017.

Source: Ottawa County records, as of May 21, 2026

Owner of RecordCompany Name on File
Mailing Address429 N BENTON ST, OAK HARBOR, OH 43449-1102
Owner TypeCompany
VestingCompany

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

DateDocument
Feb 24, 2026Deed of Trust, Mortgage · Commercial Mortgage
GENOA BANKING CO
Dec 6, 2017Warranty Deed, Transfer
ATTORNEY ONLY
Sep 6, 2017Quit Claim Deed, Transfer
ATTORNEY ONLY
Sep 6, 2017Warranty Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesName on Deed
Last SaleNov 27, 2002 · Amount on File
Deed SaleNov 27, 2002 · Amount on File
Prior SaleDec 7, 1992
Last Transfer DateSep 5, 2017
Transfer Doc0000270191
Record UpdatedOct 29, 2026

February 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionOTTAWA OH
Property Address604 E WATER ST, OAK HARBOR, OH 43449-1537
Transaction TypeMortgage
Record UpdatedMar 10, 2026

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000001053
DateFeb 24, 2026
Book Page2071/176
Instrument202600001053
Lender
NameGENOA BANKING CO
TypeBank
AddressGENOA, OH 43430
Agreement
TypeCommercial Mortgage
AmountAmount on Record
Interest
Rate TypeAdjustable Rate

December 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA OH
Recording DateDec 6, 2017
Property Address604 E WATER ST, OAK HARBOR, OH 43449-1537
Document Number0000272494
Book / Page001658 / 000734
Instrument DateDec 5, 2017
Instrument272494
Transaction TypeTransfer
Record UpdatedJan 18, 2018
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address429 N BENTON ST OAK HARBOR OH 434491102, OAK HARBOR, OH 43449-1102

September 2017: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionOTTAWA OH
Recording DateSep 6, 2017
Property Address604 E WATER ST, OAK HARBOR, OH 43449-1537
Document Number0000270191
Book / Page001647 / 000452
Instrument DateSep 5, 2017
Instrument270191
Transaction TypeTransfer
Record UpdatedOct 26, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address429 N BENTON ST OAK HARBOR OH 434491102, OAK HARBOR, OH 43449-1102

September 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionOTTAWA OH
Recording DateSep 6, 2017
Property Address604 E WATER ST, OAK HARBOR, OH 43449-1537
Document Number0000270190
Book / Page001647 / 000447
Instrument DateAug 28, 2017
Instrument270190
Transaction TypeTransfer
Record UpdatedOct 26, 2017
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address429 N BENTON ST OAK HARBOR OH 434491102, OAK HARBOR, OH 43449-1102

Tax Assessment & Valuation

The 2025 property tax bill for 604 E Water St was $3,775, down 0.7% from the year before.

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

Property Jurisdictions

TypeName
StateOhio
CountyOttawa County
County SubdivisionSalem Township
MunicipalityOak Harbor Village
Unified School DistrictBenton-Carroll-Salem Local School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$3,775.00 (-0.74%)$84,529 (-) Land $21,767 Building $62,762
2024$3,803.00 (+12.05%)$84,529 (+27.72%) Land $21,767 Building $62,762$241,510 Land $62,190 Building $179,320
2023$3,394.00 (+3.07%)$66,182 (-) Land $18,771 Building $47,411
2022$3,293.00$66,182 Land $18,771 Building $47,411
2021$189,090 Land $53,630 Building $135,460

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 604 E Water St 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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 100 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 in force
Nearby Flood Claims6 (1980–1998)
Claims Outside the SFHA1 of 6
Most Recent ClaimApr 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 604 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 RiskLow
lower than 98% of the US · lower than 90% of Ohio
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
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 SystemOAK HARBOR VILLAGE
serves 4,400 people · EPA ID OH6202603
Water SourcePurchased surface water from OTTAWA COUNTY REGIONAL WATER DISTRICT
Last State InspectionFeb 2026
LeadUnder 1 ppb (2025)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and Reporting3
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

ProviderMax 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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