Ottawa County property record for 615 E Water St, Oak Harbor, OH 43449
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,287 sqft · built 1942 |
| Lot Size | 0.95 acres (41,382 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,527 (2025) |
| Deeds & Mortgages | Nov 2017 Line of Credit Aug 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 042558-6 |
| Primary APN | 042558-6 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 2,287 sqft Living Area |
| Gross Area | 3,548 sqft |
| 1st Floor Area | 1,972 sqft |
| Attic | Attic |
| Attic Area | 788 sqft |
| Basement Area | 788 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1942 |
|---|---|
| Effective Year Built | Effective 2001 |
| Exterior Material | Wood |
| Lot Area | 41,382 sqft (0.95 acres) |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 120 sqft |
|---|---|
| Patio Area | 600 sqft |
| Shed | 1 Shed |
| Shed Area | 156 sqft |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Gas |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 042558-6 |
|---|---|
| Street Address | 615 E WATER ST |
| City | OAK HARBOR |
| State | OH |
| Zip | 43449-1538 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S04 T06 R15 PT E1/2 |
| Legal Range | 15E |
| Legal Township | 06N |
| Legal Section | 04 |
| Jurisdiction | OTTAWA OH |
| Township / Civil Division | SALEM |
| Census Block Group | 3 |
| Census Block | 3003 |
| Census Tract | 50700 |
615 E Water St is owned and occupied by an individual.
Source: Ottawa County records, as of April 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 615 E WATER ST, 42292, OAK HARBOR, OH 43449-1538 |
| 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.
| Date | Document |
|---|---|
| Nov 22, 2017 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Aug 4, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 615 E WATER ST, OAK HARBOR, OH 43449-1538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000272170 |
|---|---|
| Date | Nov 22, 2017 |
| Book Page | 1657/0186 |
| Instrument | 201700272170 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Nov 4, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTTAWA OH |
| Property Address | 615 E WATER ST, OAK HARBOR, OH 43449-1538 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000297158 |
|---|---|
| Date | Aug 4, 2020 |
| Book Page | 1785/745 |
| Instrument | 202000297158 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Sep 1, 2035 |
The 2025 property tax bill for 615 E Water St was $3,527 with a homeowner's exemption, down 0.7% 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 | $3,527.00 (-0.73%) | $80,535 (-) Land $22,729 Building $57,806 | |
| 2024 | $3,553.00 (+24.97%) Homeowner's exemption | $80,535 (+42.66%) Land $22,729 Building $57,806 | $230,100 Land $64,940 Building $165,160 |
| 2023 | $2,843.00 (+3.19%) Homeowner's exemption | $56,452 (-) Land $14,207 Building $42,245 | |
| 2022 | $2,755.00 Homeowner's exemption | $56,452 Land $14,207 Building $42,245 | |
| 2021 | $161,290 Land $40,590 Building $120,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 615 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 Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (1998) |
| Most Recent Claim | Apr 1998 · rainfall accumulation |
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 615 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.
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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