145 Saddle Ln, Orcas, WA 98280 Property Records

San Juan County property record for 145 Saddle Ln, Orcas, WA 98280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,838 sqft · built 2020
Lot Size	5.01 acres (218,397 sqft)
Owner	2 Trust Names on File
Last Sale	$160,381 (Jan 2023)
Tax Bill	$7,149 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Apr 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`171813-005-000`

Property Details

APN / Parcel Number

Primary APN	`171813-005-000`
Alternative APN	`4428`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,838 sqft Living Area
1st Floor Area	928 sqft
Game Room	Game Room
Flooring	Wood

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Stucco
Roof Material	Metal
Lot Area	218,397 sqft (5.01 acres)
Deck Area	732 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant
Sewer	Septic

Location & Zoning

Account Number	4428
Street Address	145 SADDLE LN
City	EASTSOUND
State	WA
Zip	98245-5193
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PR LOT 1 BUCK RIDGE NORTHEAST SHORT PLAT PR LOT 1 BUCK RIDGE NORTH SHORT PLAT PR LOT 40 BUCK MOUNTAIN TRACTS (PARCEL B PER BLM AFN 2023-0111010) SEC 18, T 37N, R 1W
Legal Range	01W
Legal Township	37N
Legal Section	18
Legal Subdivision	BUCK RIDGE NORTHEAST
Legal Lot Number	1,40
Jurisdiction	SAN JUAN WA
Township / Civil Division	ORCAS
Census Block Group	3
Census Block	3007
Census Tract	960101

Owner

145 Saddle Ln is held in a trust since January 2023.

Source: San Juan County records, as of March 11, 2026

Owner of Record	2 Trust Names on File
Mailing Address	582 SWAN RD, EASTSOUND, WA 98245-9501
Owner Type	Company
Vesting	Trust

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

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Apr 26, 2022	Deed of Trust, Mortgage · Line of Credit WASHINGTON SAVINGS BANK
Jan 4, 2023	Quit Claim Deed, Transfer Quitclaim
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage WASHINGTON FEDERAL NA
Mar 31, 2017	Warranty Deed, Transfer · Conventional Mortgage WASHINGTON FEDERAL NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2023 · Amount on File
Deed Sale	Jan 4, 2023 · Amount on File
Prior Sale	Mar 31, 2017 · Amount on File
Deed Document Number	20231
Prior Transfer Date	Dec 9, 2022
Prior Transfer Doc	0000000001
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	145 SADDLE LN, ORCAS, WA 98280
Transaction Type	Mortgage
Record Updated	Oct 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001026004
Date	Oct 26, 2021
Instrument	2021-1026004

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	178 Months
Due	Aug 1, 2036

Interest

Change Frequency	6 Months

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	145 SADDLE LN, ORCAS, WA 98280
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	CHICAGO TITLE/DAYTON, CHICAGO TITLE FRIDAY HARBOR

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000426020
Date	Apr 26, 2022
Instrument	2022-0426020

Lender

Name	WASHINGTON SAVINGS BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 1, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SAN JUAN WA
Recording Date	Jan 4, 2023
Property Address	145 SADDLE LN, ORCAS, WA 98280
Document Number	0000104001
Map Reference	VOL 5 PG 7&7A-7D
Instrument Date	Dec 9, 2022
Instrument	2023-0104001
Transaction Type	Transfer
Record Updated	Oct 31, 2023

Transaction

Amount	Amount on Record
Tax	$4,971.82
Amount Accuracy	Calculated from Transfer Tax
Additional	Quitclaim Intrafamily Transfer Partial Interest Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	582 SWAN RD, EASTSOUND, WA 98245-9501

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	145 SADDLE LN, ORCAS, WA 98280
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000801040
Date	Aug 1, 2018
Instrument	2018-0801040

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	379 Months
Due	Mar 1, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAN JUAN WA
Recording Date	Mar 31, 2017
Property Address	145 SADDLE LN, ORCAS, WA 98280
Document Number	0000331030
Map Reference	VOL5 PG7&7A-C
Instrument Date	Feb 22, 2017
Instrument	2017-0331030
Transaction Type	Transfer
Record Updated	Jul 6, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13331 25TH AVE NE, SEATTLE, WA 98125-4242

Mortgage

Document Number	0000331031
Date	Mar 31, 2017
Instrument	2017-0331031

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Apr 1, 2037

Tax Assessment & Valuation

The 2025 property tax bill for 145 Saddle Ln was $7,149.

Source: San Juan County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Washington
County	San Juan County
Unified School District	Orcas Island School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,149.00	$1,282,000 Land $635,190 Building $646,810	$1,282,000 Land $635,190 Building $646,810
2023	$7,142.00
2022		$1,196,550 Land $437,520 Building $759,030	$1,196,550 Land $437,520 Building $759,030

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

Flood

FEMA maps place 145 Saddle Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 6, 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
Nearby Flood Policies	4 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

Wildfire risk around 145 Saddle Ln 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rock Island Communications Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

May also be available: Orcas Online.

Cell Coverage

5G (outdoors only) and 4G LTE

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