1275 Dunlap Dr, Freeland, WA 98249 Property Records

Island County property record for 1275 Dunlap Dr, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,640 sqft · built 2005
Lot Size	0.25 acres (10,890 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Mar 2019)
Tax Bill	$4,878 (2026)
Deeds & Mortgages	Oct 2021 Mortgage May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7165-06-04020-0`

Property Details

APN / Parcel Number

Primary APN	`S7165-06-04020-0`
Alternative APN	`278522`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,640 sqft Living Area
Gross Area	2,168 sqft
1st Floor Area	1,640 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	10,890 sqft (0.25 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	371 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	1275 DUNLAP DR
City	FREELAND
State	WA
Zip	98249-9777
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	HHGY 6 LOT 20 BLK 4
Legal Subdivision	HHGY 6
Legal Block	4
Legal Lot Number	20
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	2
Census Block	2018
Census Tract	971301

Owner

1275 Dunlap Dr is owned and occupied by two individuals who bought it in March 2019.

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

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

Owner of Record	2 Individual Names on File
Mailing Address	1275 DUNLAP DR, FREELAND, WA 98249-9777
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC
May 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage CHERRY CREEK MORTGAGE CO INC
Mar 15, 2019	Warranty Deed, Transfer · FHA Mortgage CHERRY CREEK MORTGAGE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 15, 2019 · Amount on File
Deed Sale	Mar 15, 2019 · Amount on File
Prior Sale	Jul 31, 2015 · Amount on File
Deed Document Number	20194460532
Prior Transfer Date	Jul 28, 2015
Prior Transfer Doc	0004383165
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1275 DUNLAP DR, FREELAND, WA 98249-9777
Transaction Type	Mortgage
Record Updated	Oct 7, 2021
Title Company	GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004530419
Date	Oct 1, 2021
Instrument	4530419

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	BRECKSVILLE, OH 44141

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1275 DUNLAP DR, FREELAND, WA 98249-9777
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LAND TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004487502
Date	May 28, 2020
Instrument	4487502

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company
Address	ENGLEWOOD, CO 80111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2050

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 15, 2019
Property Address	1275 DUNLAP DR, FREELAND, WA 98249-9777
Document Number	0004460532
Map Reference	VOL 9 PG 10
Instrument Date	Mar 6, 2019
Instrument	4460532
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND T&E OF ISLAND CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,680.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1275 DUNLAP DR, FREELAND, WA 98249-9777

Mortgage

Document Number	0004460533
Date	Mar 15, 2019
Instrument	4460533

Lender

Name	CHERRY CREEK MORTGAGE CO INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1275 Dunlap Dr was $4,878.

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

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,878.00
2025		$617,853 Land $285,000 Building $332,853	$617,853 Land $285,000 Building $332,853
2023	$3,439.00	$580,661 (+13.41%) Land $240,000 Building $340,661	$580,661 (+13.41%) Land $240,000 Building $340,661
2022		$512,014 Land $200,000 Building $312,014	$512,014 Land $200,000 Building $312,014

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

Flood

FEMA maps place 1275 Dunlap Dr in Zone X, an area of minimal flood risk, though there have been 5 flood claims nearby since 2012.

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 File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2012–2022)
Claims Outside the SFHA	1 of 5
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

Wildfire risk around 1275 Dunlap Dr 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	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.

Drinking Water

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

Water System	HARBOR HILLS COMMUNITY WATER SYSTEM serves 1,373 people · EPA ID WA5333860
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	3 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	5 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 218 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Xfinity Cable	1,200 / 35
Whidbey Telephone Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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