Island County property record for 1011 Waterloo Rd, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | built 1900 |
| Lot Size | 4.07 acres (177,289 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $325,000 (Jan 2025) |
| Tax Bill | $2,508 (2026) |
| Deeds & Mortgages | Nov 2024 Mortgage Jan 2025 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R13210-097-2500 |
| Primary APN | R13210-097-2500 |
|---|---|
| Alternative APN |
|
| Stories | 1 Story |
|---|
| Year Built | Built 1985 |
|---|---|
| Effective Year Built | Effective 1985 |
| Lot Area | 177,289 sqft (4.07 acres) |
| Street Address | 1011 WATERLOO RD |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-8119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20 |
| Legal Description | IN SE SW: PT N/2 SE SW LY ELY OF ST HWY 525 EX WATERLOO RD FR 086-1800 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 3 |
| Census Block | 3011 |
| Census Tract | 970500 |
Source: Island County records, as of October 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1145 OLD POLNELL RD, OAK HARBOR, WA 98277-7407 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Nov 13, 2024 | Deed of Trust, Mortgage · Conventional Mortgage AMERISAVE MORTGAGE CORP |
| Jan 24, 2025 | Warranty Deed, Transfer E-CHICAGO TITLE, CHICAGO TITLE |
| Sep 30, 2021 | Warranty Deed, Transfer · Stand-Alone First Mortgage CHARMAIN LANDER |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 24, 2025 · Amount on Record |
| Deed Sale | Jan 24, 2025 · Amount on Record |
| Prior Sale | Sep 30, 2021 · Amount on Record |
| Deed Document Number | 20254581573 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1011 WATERLOO RD, OAK HARBOR, WA 98277-8119 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0004579439 |
|---|---|
| Date | Nov 13, 2024 |
| Instrument | 4579439 |
| Name | AMERISAVE MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | ATLANTA, GA 30342 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jan 24, 2025 |
| Property Address | 1011 WATERLOO RD, OAK HARBOR, WA 98277-8119 |
| Document Number | 0004581573 |
| Instrument Date | Jan 11, 2025 |
| Instrument | 4581573 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $5,205.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1145 OLD POLNELL RD, OAK HARBOR, WA 98277-7407 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Sep 30, 2021 |
| Property Address | 1011 WATERLOO RD, OAK HARBOR, WA 98277-8119 |
| Document Number | 0004530299 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 4530299 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,845.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Severalty |
| Address | 1407 ARNOLD RD, OAK HARBOR, WA 98277-8220 |
| Document Number | 0004530300 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 4530300 |
| Name | CHARMAIN LANDER |
|---|---|
| Type | Private Party |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 38 Months |
| Due | Nov 5, 2024 |
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,508.00 (+92.04%) | ||
| 2025 | $319,814 (+18.89%) Land $290,000 Building $29,814 | $319,814 (+18.89%) Land $290,000 Building $29,814 | |
| 2023 | $1,306.00 | $269,000 (+59.17%) Land $250,000 Building $19,000 | $269,000 (+59.17%) Land $250,000 Building $19,000 |
| 2022 | $169,000 Land $150,000 Building $19,000 | $169,000 Land $150,000 Building $19,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective June 26, 2019 · 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 | 2 in force |
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 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures