Island County property record for 1313 Orchard Loop, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,182 sqft · built 1957 |
| Lot Size | 0.376 acres (16,367 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $470,000 (Sep 2025) |
| Tax Bill | $3,322 (2026) |
| Deeds & Mortgages | Feb 2021 Mortgage Sep 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S7685-00-02006-0 |
| Primary APN | S7685-00-02006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,182 sqft Living Area |
| Gross Area | 1,482 sqft |
| 1st Floor Area | 1,182 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 16,367 sqft (0.376 acres) |
| Garage Type | Attached |
| Garage Area | 300 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 204 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Oil |
| Street Address | 1313 ORCHARD LOOP |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-8911 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | PATTONS HILLCREST LOT 6 BLK 2 |
| Legal Subdivision | PATTONS HILLCREST |
| Legal Block | 2 |
| Legal Lot Number | 6 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 970401 |
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 | 5409 NE 2ND ST, G, RENTON, WA 98059-5867 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Feb 18, 2021 | Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC |
| Sep 18, 2025 | Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Jan 27, 2023 | Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Aug 15, 2019 | Deed of Trust, Mortgage ORION LNDG |
| Oct 1, 2018 | Warranty Deed, Transfer · VA Mortgage CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 18, 2025 · Amount on Record |
| Deed Sale | Sep 18, 2025 · Amount on Record |
| Prior Sale | Jan 27, 2023 · Amount on Record |
| Deed Document Number | 20254591147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2025 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|
| Document Number | 0004511212 |
|---|---|
| Date | Feb 18, 2021 |
| Instrument | 4511212 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTLAKE VILLAGE, CA 91361 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Sep 18, 2025 |
| Property Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Document Number | 0004591147 |
| Map Reference | VOL 6 PG 4&5 |
| Instrument Date | Sep 16, 2025 |
| Instrument | 4591147 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,525.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5409 NE 2ND ST UNIT G, G, RENTON, WA 98059-5867 |
| Document Number | 0004591148 |
|---|---|
| Date | Sep 18, 2025 |
| Instrument | 4591148 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jan 27, 2023 |
| Property Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Document Number | 0004556150 |
| Map Reference | VOL 6 PG 4&5 |
| Instrument Date | Jan 16, 2023 |
| Instrument | 4556150 |
| Transaction Type | Transfer |
| Record Updated | Feb 6, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,805.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Document Number | 0004556151 |
|---|---|
| Date | Jan 27, 2023 |
| Instrument | 4556151 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Document Number | 0004469714 |
| Instrument Date | Aug 15, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 30, 2019 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 13413 ORCHARD LOOP OAK HARBOR WA 98277, OAK HARBOR, WA 98277 |
| Document Number | 0004469714 |
|---|---|
| Date | Aug 20, 2019 |
| Instrument | 4469714 |
| Name | ORION LNDG |
|---|---|
| Address | ORANGE, CA 92868 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Aug 19, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Oct 1, 2018 |
| Property Address | 1313 ORCHARD LOOP, OAK HARBOR, WA 98277-8911 |
| Document Number | 0004452657 |
| Instrument Date | Sep 27, 2018 |
| Instrument | 4452657 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | LAND TITLE AND ESCROW/ISLAND COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,006.80 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 27902 69TH AVE NW STANWOOD WA 982926036, STANWOOD, WA 98292-6036 |
| Document Number | 4452659 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 4452659 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | IRVING, TX 75063 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 30, 2048 |
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 | $3,322.00 (+23.82%) | ||
| 2025 | $429,595 (+4.17%) Land $210,000 Building $219,595 | $429,595 (+4.17%) Land $210,000 Building $219,595 | |
| 2024 | $412,387 (-0.67%) Land $190,000 Building $222,387 | $412,387 (-0.67%) Land $190,000 Building $222,387 | |
| 2023 | $2,683.00 | $415,179 (+15.28%) Land $190,000 Building $225,179 | $415,179 (+15.28%) Land $190,000 Building $225,179 |
| 2022 | $360,159 Land $180,000 Building $180,159 | $360,159 Land $180,000 Building $180,159 |
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 |
| Flood Insurance Cost | Premium on Record median of 14 policies |
| Nearby Flood Policies | 14 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 97% of the US · lower than 98% of Washington |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | HILLCREST VILLAGE WATER CO INC private · serves 770 people · EPA ID WA5333150 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jan 2024 |
| Lead | Under 1 ppb (2021–2023) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 92 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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