1077 Custer St, Oak Harbor, WA 98277 Property Records

Island County property record for 1077 Custer St, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,837 sqft · built 1979
Lot Size	2.44 acres (106,286 sqft)
Owner	Company Name on File
Last Sale	$469,900 (Aug 2021)
Tax Bill	$1,009 (2026)
Deeds & Mortgages	May 2023 Transfer Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R13221-370-0810`

Property Details

APN / Parcel Number

Primary APN	`R13221-370-0810`
Alternative APN	`467417`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,837 sqft Living Area
1st Floor Area	1,837 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	106,286 sqft (2.44 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	140 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1077 CUSTER ST
City	OAK HARBOR
State	WA
Zip	98277-8201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	IN GL7 BG INTER ALLYSON ST WE LN ROLLING HILLS #1 S1 W417 TPB S1W247 S88E699 .33 N1E70 N88W170 N63 W427.57 N88W140 TPB EX E30 SP 77-44 TR A FR 3751000
Legal Range	1E
Legal Township	32N
Legal Section	21
Legal Subdivision	ISLAND CNTY SHORT 77 01-A
Legal Tract	A
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	2
Census Block	2001
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

1077 Custer St is owned by a company that acquired it in April 2023.

Source: Island County records, as of October 20, 2026

Owner of Record	Company Name on File
Mailing Address	1077 CUSTER ST, OAK HARBOR, WA 98277-8201
Owner Type	Company
Vesting	Life Tenant

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
May 19, 2023	Intrafamily Transfer, Transfer
Aug 6, 2021	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Jan 7, 2019	Loan Modification, Mortgage · Conventional Mortgage FREEDOM MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2021 · Amount on File
Deed Sale	Aug 6, 2021 · Amount on File
Prior Sale	Mar 28, 2008 · Amount on File
Deed Document Number	20214526285
Last Transfer Date	Apr 6, 2023
Transfer Doc	0004560108
Record Updated	Oct 29, 2026

May 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	May 19, 2023
Property Address	1077 CUSTER ST, OAK HARBOR, WA 98277-8201
Document Number	0004560108
Instrument Date	Apr 6, 2023
Instrument	4560108
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
Relationship	Living Trust
Address	1077 CUSTER ST, OAK HARBOR, WA 98277-8201

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 6, 2021
Property Address	1077 CUSTER ST, OAK HARBOR, WA 98277-8201
Document Number	0004526285
Instrument Date	Jul 28, 2021
Instrument	4526285
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,523.40
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	1077 CUSTER ST, OAK HARBOR, WA 98277-8201

Mortgage

Document Number	0004526286
Date	Aug 6, 2021
Instrument	4526286

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

January 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ISLAND WA
Property Address	1077 CUSTER ST, OAK HARBOR, WA 98277-8247
Document Number	0004458836
Instrument Date	Jan 7, 2019
Transaction Type	Mortgage
Record Updated	Feb 21, 2019
Title Company	ATTORNEY ONLY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1077 CUSTER ST OAK HARBOR WA 982778247, OAK HARBOR, WA 98277-8247

Mortgage

Document Number	0004458836
Date	Feb 6, 2019
Instrument	4458836

Lender

Name	FREEDOM MTG
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	300 Months
Due	Feb 5, 2044

Interest

Rate Type	Fixed Rate
Rate	3.12%

Tax Assessment & Valuation

The 2026 property tax bill for 1077 Custer St was $1,009 with a senior citizen's exemption.

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	$1,009.00
2025		$593,515 Land $306,544 Building $286,971	$593,515 Land $306,544 Building $286,971
2023	$3,663.00	$564,035 (+14.94%) Land $270,000 Building $294,035	$564,035 (+14.94%) Land $270,000 Building $294,035
2022		$490,708 Land $250,000 Building $240,708	$490,708 Land $250,000 Building $240,708

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

Flood

FEMA maps place 1077 Custer St in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 1077 Custer St is low, with 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 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	HARRIS CUSTER ESTATES WATER ASSN private · serves 194 people · EPA ID WA5317035
Water Source	Groundwater
Last State Inspection	May 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Coliform assessment May 2017
Monitoring and Reporting	2 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 44 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G and 4G LTE (outdoors only)

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