1324 Orchard Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 1324 Orchard Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,523 sqft · built 1960
Owner	Individual Name on Record
Last Sale	$449,950 (Dec 2023)
Tax Bill	$2,941 (2023)
Deeds & Mortgages	Dec 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S7685-00-07007-2`

Property Details

APN / Parcel Number

Primary APN	`S7685-00-07007-2`
Alternative APN	`343140`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	2,523 sqft Living Area
1st Floor Area	2,523 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Exterior Material	Wood Siding
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Garage Type	Mixed
Parking Spaces	1 Parking Space
Porch	Covered Porch
Porch Area	1,448 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Account Number	343140
Street Address	1324 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 7 BLK 7 BG NE CR L7 S13E44.48ALG ELN L7 S54W 179.15TP SWLY LN L7 NWLY ALG SD LN 90.72 ALG CURRT N691
Legal Subdivision	PATTONS HILLCREST
Legal Block	7
Legal Lot Number	7
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2001
Census Tract	970401

Owner

Source: Island County records, as of October 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1324 ORCHARD LOOP, OAK HARBOR, WA 98277-8913
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Deed Document Number	4567207
Record Updated	Jun 8, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 1, 2023
Property Address	1324 ORCHARD LOOP, OAK HARBOR, WA 98277-8913
Document Number	0004567207
Map Reference	VOL 6 PG 4&5
Instrument Date	Nov 27, 2023
Instrument	4567207
Transaction Type	Transfer
Record Updated	Dec 6, 2023
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,204.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1324 ORCHARD LOOP, OAK HARBOR, WA 98277-8913

Mortgage

Document Number	0004567208
Date	Dec 1, 2023
Instrument	4567208

Lender

Name	BARRETT FINANCIAL GROUP LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2053

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$458,468 (+2.78%) Land $210,000 Building $248,468	$458,468 (+2.78%) Land $210,000 Building $248,468
2023	$2,941.00	$446,084 (+12.05%) Land $190,000 Building $256,084	$446,084 (+12.05%) Land $190,000 Building $256,084
2022		$398,099 Land $180,000 Building $218,099	$398,099 Land $180,000 Building $218,099

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	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

Violations Reported to EPA

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.

Internet Providers

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