1045 NE Summit Loop, Coupeville, WA 98239 Property Records

Island County property record for 1045 NE Summit Loop, Coupeville, WA 98239

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 2,410 sqft · built 1978
Lot Size	0.83 acres (36,155 sqft)
Owner	2 Individual Names on Record
Last Sale	$445,000 (Sep 2019)
Tax Bill	$4,309 (2026)
Deeds & Mortgages	Jan 2020 Line of Credit Sep 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8270-00-0A040-0`

Property Details

APN / Parcel Number

Primary APN	`S8270-00-0A040-0`
Alternative APN	`404217`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	2,410 sqft Living Area
Gross Area	3,057 sqft
1st Floor Area	1,570 sqft
Upper Floors Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1989
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	36,155 sqft (0.83 acres)
Garage Type	Attached
Garage Area	491 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	993 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	1045 NE SUMMIT LOOP
City	COUPEVILLE
State	WA
Zip	98239-3564
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	CP
Legal Description	SUNSET TERR LOT 40 BLK A
Legal Subdivision	SUNSET TERR
Legal Block	A
Legal Lot Number	40
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	1
Census Block	1052
Census Tract	971000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Central Whidbey Island Historic District listed 1973 · 398 contributing resources · NRIS 73001869

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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	PO BOX 851, COUPEVILLE, WA 98239-0851
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 16, 2020	Deed of Trust, Mortgage · Line of Credit VERITY CU
Sep 25, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO
Jan 22, 2018	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2019 · Amount on Record
Deed Sale	Sep 25, 2019 · Amount on Record
Prior Sale	Nov 23, 2005 · Amount on Record
Deed Document Number	20194472085
Prior Transfer Date	Jan 19, 2018
Prior Transfer Doc	0004437852
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1045 NE SUMMIT LOOP, COUPEVILLE, WA 98239-3564
Document Number	0004479708
Instrument Date	Jan 16, 2020
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1045 NE SUMMIT LOOP COUPEVILLE WA 982393564, COUPEVILLE, WA 98239-3564

Mortgage

Document Number	0004479708
Date	Jan 22, 2020
Instrument	4479708

Lender

Name	VERITY CU
Type	Credit Union
Address	SEATTLE, WA 98133

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jan 21, 2045

Interest

Rate Type	Adjustable Rate

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 25, 2019
Property Address	1045 NE SUMMIT LOOP, COUPEVILLE, WA 98239-3564
Document Number	0004472085
Instrument Date	Sep 24, 2019
Instrument	4472085
Transaction Type	Transfer
Record Updated	Oct 4, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$7,926.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 851 COUPEVILLE WA 982390851, COUPEVILLE, WA 98239-0851

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 22, 2018
Property Address	1045 NE SUMMIT LOOP, COUPEVILLE, WA 98239-3564
Document Number	0004437852
Instrument Date	Jan 16, 2018
Instrument	4437852
Transaction Type	Transfer
Record Updated	Jan 30, 2018
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Coupeville Town
Unified School District	Coupeville School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,309.00 (+5.82%)
2025	$4,072.00 (-4.28%)	$577,192 (+7.24%) Land $240,000 Building $337,192	$577,192 (+7.24%) Land $240,000 Building $337,192
2023	$4,254.00	$538,229 (+5.27%) Land $210,000 Building $328,229	$538,229 (+5.27%) Land $210,000 Building $328,229
2022		$511,265 Land $210,000 Building $301,265	$511,265 Land $210,000 Building $301,265

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	1 (2015)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Nov 2015 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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	None 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 System	TOWN OF COUPEVILLE serves 4,142 people · EPA ID WA5315550
Water Source	Groundwater
Last State Inspection	Jul 2022
Lead	4 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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