Island County property record for 1321 Orchard Loop, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,766 sqft · built 1958 |
| Lot Size | 0.417 acres (18,156 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $316,000 (May 2019) |
| Tax Bill | $3,711 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage May 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S7685-00-05016-0 |
| Primary APN | S7685-00-05016-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,766 sqft Living Area |
| Gross Area | 2,088 sqft |
| 1st Floor Area | 1,766 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1958 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 18,156 sqft (0.417 acres) |
| Garage Type | Attached |
| Garage Area | 322 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 572 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1321 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 LOT 16 EX SELY 20.26BLK 5 |
| Legal Subdivision | PATTONS HILLCREST |
| Legal Block | 5 |
| Legal Lot Number | 16 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2002 |
| 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 | 1321 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| May 31, 2019 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 31, 2019 · Amount on Record |
| Deed Sale | May 31, 2019 · Amount on Record |
| Prior Sale | May 22, 2015 · Amount on Record |
| Deed Document Number | 20194464599 |
| Prior Transfer Date | Jan 30, 2012 |
| Prior Transfer Doc | 0004309119 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 1321 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2022 |
| Title Company | CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004505046 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 4505046 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | May 31, 2019 |
| Property Address | 1321 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004464599 |
| Map Reference | VOL 6 PG 4&5 |
| Instrument Date | May 22, 2019 |
| Instrument | 4464599 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,629.80 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1321 ORCHARD LOOP, OAK HARBOR, WA 98277-8913 |
| Document Number | 0004464600 |
|---|---|
| Date | May 31, 2019 |
| Instrument | 4464600 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2049 |
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 | $3,711.00 (+15.14%) | ||
| 2025 | $480,538 (+3.14%) Land $210,000 Building $270,538 | $480,538 (+3.14%) Land $210,000 Building $270,538 | |
| 2023 | $3,223.00 | $465,922 (+7.38%) Land $190,000 Building $275,922 | $465,922 (+7.38%) Land $190,000 Building $275,922 |
| 2022 | $433,895 Land $180,000 Building $253,895 | $433,895 Land $180,000 Building $253,895 |
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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