8317 W Division St, Oak Harbor, OH 43449 Property Records

Ottawa County property record for 8317 W Division St, Oak Harbor, OH 43449

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,968 sqft · built 1954
Lot Size	0.202 acres (8,799 sqft)
Owner	Trust Name on Record
Last Sale	$245,000 (Jan 2020)
Tax Bill	$3,641 (2025)
Deeds & Mortgages	Oct 2025 Line of Credit Jan 2020 Sale & Mortgage
Flood Zone	Zone AO (high risk)
APN	`009617-9`

Property Details

APN / Parcel Number

Primary APN	`009617-9`
Alternative APN	`009-05540-07164-000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,968 sqft Living Area
1st Floor Area	1,968 sqft

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1954
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Raised
Lot Area	8,799 sqft (0.202 acres)
Lot Dimensions	110 ft deep x 80 ft wide
Patio Area	992 sqft
Utility Building	72 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas
Sewer	Septic
Water Source	Well

Location & Zoning

Account Number	009617-9
Street Address	8317 W DIVISION ST
City	OAK HARBOR
State	OH
Zip	43449-9141
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 183 & 184 SAND BEACH
Legal Subdivision	SAND BEACH PLAT ONE
Legal Lot Number	183-184
Jurisdiction	OTTAWA OH
Township / Civil Division	CARROLL
Census Block Group	1
Census Block	1001
Census Tract	50800

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Trust Name on Record
Mailing Address	8317 N DIVISION ST, OAK HARBOR, OH 43449
Owner Type	Individual
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2025	Deed of Trust, Mortgage · Line of Credit CIVISTA BANK
Jan 17, 2020	Warranty Deed, Transfer · Conventional Mortgage CIVISTA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 17, 2020 · Amount on Record
Deed Sale	Jan 17, 2020 · Amount on Record
Prior Sale	Feb 23, 2010 · Amount on Record
Deed Document Number	2020291707
Deed Book / Page	1752 / 958
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	OTTAWA OH
Property Address	8317 W DIVISION ST, OAK HARBOR, OH 43449-9141
Transaction Type	Mortgage
Record Updated	Oct 20, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8317 W DIVISION ST, OAK HARBOR, OH 43449-9141

Mortgage

Document Number	0000006145
Date	Oct 1, 2025
Book Page	2051/797
Instrument	202500006145

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	OTTAWA OH
Recording Date	Jan 17, 2020
Property Address	8317 W DIVISION ST, OAK HARBOR, OH 43449-9141
Document Number	0000291707
Book / Page	1752 / 958
Instrument Date	Jan 17, 2020
Instrument	202000291707
Transaction Type	Transfer
Record Updated	May 5, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8317 W DIVISION ST, OAK HARBOR, OH 43449-9141

Mortgage

Document Number	0001752959
Date	Jan 17, 2020
Instrument	1752/959

Lender

Name	CIVISTA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

Mortgage

Document Number	0000291709
Date	Jan 17, 2020
Book Page	1752/973
Instrument	202000291709

Lender

Name	CIVISTA BANK
Type	Bank
Address	SANDUSKY, OH 44870

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Ohio
County	Ottawa County
County Subdivision	Carroll Township
Unified School District	Benton-Carroll-Salem Local School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,641.00 (-5.99%)	$100,730 (-) Land $57,162 Building $43,568
2024	$3,873.00 (+1.28%)	$100,730 (+15.87%) Land $57,162 Building $43,568	$287,800 (+15.88%) Land $163,320 Building $124,480
2023	$3,824.00 (+1.27%)	$86,930 (-) Land $49,392 Building $37,538
2022	$3,776.00	$86,930 Land $49,392 Building $37,538
2021			$248,370 Land $141,120 Building $107,250

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

Source: FEMA National Flood Hazard Layer, effective November 30, 2022 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AO high risk · sheet flow 1–3 ft
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 69 policies
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	69 in force
Nearby Flood Claims	432 (1978–2021)
Claims Outside the SFHA	23 of 432
Most Recent Claim	May 2021 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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	CARROLL WATER AND SEWER serves 2,288 people · EPA ID OH6205111
Water Source	Surface water
Last State Inspection	Jun 2024
Lead	Under 1 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20
Amplex Wireless Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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