Island County property record for 1318 Orchard Loop, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,228 sqft · built 1958 |
| Lot Size | 0.289 acres (12,570 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $362,000 (Apr 2023) |
| Tax Bill | $2,820 (2025) |
| Deeds & Mortgages | Oct 2025 Mortgage Apr 2023 Sale & Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S7685-00-07006-1 |
| Primary APN | S7685-00-07006-1 |
|---|---|
| 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 | 1,228 sqft Living Area |
| Gross Area | 1,708 sqft |
| 1st Floor Area | 1,228 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Wood Siding |
| Roof Material | Asphalt |
| Lot Area | 12,570 sqft (0.289 acres) |
| Garage Type | Attached |
| Garage Area | 480 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 324 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1318 ORCHARD LOOP |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-8913 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | PATTONS HILLCREST PT LOT 6 & 7: BG ELY CR L6 |
| Legal Subdivision | PATTONS HILLCREST |
| Legal Block | 7 |
| Legal Lot Number | 6,7 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2001 |
| Census Tract | 970401 |
Source: Island County records, as of May 21, 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 | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Oct 27, 2025 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Apr 11, 2023 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Nov 28, 2022 | Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC |
| Aug 5, 2019 | Deed of Trust, Mortgage · VA Mortgage FIRST MORTGAGE SOLUTIONS LLC |
| Aug 11, 2020 | Deed of Trust, Mortgage · VA Mortgage MORTGAGE SOLUTIONS OF COLORADO LLC |
| Nov 30, 2020 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 11, 2023 · Amount on Record |
| Deed Sale | Apr 11, 2023 · Amount on Record |
| Prior Sale | Nov 30, 2020 · Amount on Record |
| Deed Document Number | 20234558661 |
| Prior Transfer Date | Apr 4, 2023 |
| Prior Transfer Doc | 0004558661 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Transaction Type | Mortgage |
| Record Updated | Nov 5, 2025 |
| Title Company | BOSTON NATIONAL TITLE AGENCY |
| Name | Verified Name |
|---|---|
| Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004592648 |
|---|---|
| Date | Oct 27, 2025 |
| Instrument | 4592648 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Apr 11, 2023 |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004558661 |
| Map Reference | VOL 6 PG 4&5 |
| Instrument Date | Apr 4, 2023 |
| Instrument | 4558661 |
| Transaction Type | Transfer |
| Record Updated | Apr 21, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,797.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004558662 |
|---|---|
| Date | Apr 11, 2023 |
| Instrument | 4558662 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Transaction Type | Mortgage |
| Record Updated | Dec 5, 2022 |
| Title Company | STG |
| Name | Verified Name |
|---|
| Document Number | 0004554173 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 4554173 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0004468660 |
|---|---|
| Date | Aug 5, 2019 |
| Instrument | 4468660 |
| Name | FIRST MORTGAGE SOLUTIONS LLC |
|---|---|
| Type | Mortgage Company |
| Address | KANSAS CITY, MO 64114 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Transaction Type | Mortgage |
| Record Updated | Sep 8, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004493580 |
|---|---|
| Date | Aug 11, 2020 |
| Instrument | 4493580 |
| Name | MORTGAGE SOLUTIONS OF COLORADO LLC |
|---|---|
| Type | Mortgage Company |
| Address | COLORADO SPRINGS, CO 80918 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Nov 30, 2020 |
| Property Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004503679 |
| Map Reference | VOL 6 PG 4&5 |
| Instrument Date | Nov 19, 2020 |
| Instrument | 4503679 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,205.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1318 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004503680 |
|---|---|
| Date | Nov 30, 2020 |
| Instrument | 4503680 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 |
|---|---|---|---|
| 2025 | $2,820.00 (+1.62%) | $414,745 (+3.64%) Land $210,000 Building $204,745 | $414,745 (+3.64%) Land $210,000 Building $204,745 |
| 2023 | $2,775.00 | $400,187 (+7.35%) Land $190,000 Building $210,187 | $400,187 (+7.35%) Land $190,000 Building $210,187 |
| 2022 | $372,788 Land $180,000 Building $192,788 | $372,788 Land $180,000 Building $192,788 |
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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