1019 Harmony Rd, Oak Harbor, WA 98277 Property Records

Island County property record for 1019 Harmony Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 1,494 sqft · built 2025
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$572,000 (Sep 2025)
Tax Bill	$2,749 (2026)
Deeds & Mortgages	Mar 2025 Mortgage Sep 2025 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R23328-100-2800`

Property Details

APN / Parcel Number

Primary APN	`R23328-100-2800`
Alternative APN	`105148`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,494 sqft Living Area
1st Floor Area	1,494 sqft
Upper Floors Area	160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2025
Effective Year Built	Effective 2025
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Aluminum
Lot Area	217,800 sqft (5 acres)
Porch	Open Porch
Porch Area	128 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating Fuel	Electric

Location & Zoning

Street Address	1019 HARMONY RD
City	OAK HARBOR
State	WA
Zip	98277-9000
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	20
Legal Description	72 - W/2 NW SW SE
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	4
Census Block	4010
Census Tract	970300

Owner

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	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2025	Deed of Trust, Mortgage · Commercial Mortgage JSL LENDING LLC
Sep 12, 2025	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Jul 29, 2024	Warranty Deed, Transfer · Conventional Mortgage SAVIBANK
May 31, 2024	Intrafamily Transfer, Transfer
Sep 9, 2022	Intrafamily Transfer, Transfer
Jul 27, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	Jul 29, 2024 · Amount on Record
Deed Document Number	20254590877
Prior Transfer Date	May 31, 2024
Prior Transfer Doc	0004572926
Record Updated	Oct 29, 2026

March 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14598 DOGWOOD LN, MOUNT VERNON, WA 98273-4778

Mortgage

Document Number	0004583056
Date	Mar 10, 2025
Instrument	4583056

Lender

Name	JSL LENDING LLC
Type	Non-Lending Institution
Address	BURLINGTON, WA 98233

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 12, 2025
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Document Number	0004590877
Instrument Date	Sep 2, 2025
Instrument	4590877
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$9,241.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Investor	Possibly a Property Investor

Mortgage

Document Number	0004590878
Date	Sep 12, 2025
Instrument	4590878

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

July 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 29, 2024
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Document Number	0004575173
Instrument Date	Jul 26, 2024
Instrument	4575173
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$3,189.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14598 DOGWOOD LN, MOUNT VERNON, WA 98273-4778

Mortgage

Document Number	0004575174
Date	Jul 29, 2024
Instrument	4575174

Lender

Name	SAVIBANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	37 Months
Due	Aug 1, 2027

May 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	May 31, 2024
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Document Number	0004572926
Instrument Date	May 31, 2024
Instrument	4572926
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 HARMONY RD, OAK HARBOR, WA 98277-9000

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Sep 9, 2022
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Document Number	0004550956
Instrument Date	Sep 9, 2022
Instrument	4550956
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1033 HARMONY RD, OAK HARBOR, WA 98277-9000

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 27, 2020
Property Address	1019 HARMONY RD, OAK HARBOR, WA 98277-9000
Document Number	0004492283
Instrument Date	Jul 27, 2020
Instrument	4492283
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 1287 OAK HARBOR WA 982771287, OAK HARBOR, WA 98277-1287

Tax Assessment & Valuation

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,749.00 (+10.36%)
2025	$2,491.00 (+9.45%)	$351,368 (+4%) Land $235,500 Building $115,868	$351,368 (+4%) Land $235,500 Building $115,868
2023	$2,276.00	$337,842 (+12.11%) Land $270,000 Building $67,842	$337,842 (+12.11%) Land $270,000 Building $67,842
2022		$301,354 Land $240,000 Building $61,354	$301,354 Land $240,000 Building $61,354

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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
Flood Insurance Cost	Premium on Record median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	6 (2006–2022)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2022 · tidal / storm surge

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	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 20 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable · Fixed Wireless	1,500 / 50
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30
Ziply Fiber DSL	70 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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