1515 NE 3rd Ave, Oak Harbor, WA 98277 Property Records

Island County property record for 1515 NE 3rd Ave, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,138 sqft · built 1957
Lot Size	0.165 acres (7,189 sqft)
Owner	2 Individual Names on Record
Last Sale	$420,000 (May 2026)
Tax Bill	$3,148 (2026)
Deeds & Mortgages	Oct 2024 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S6600-00-03001-0`

Property Details

APN / Parcel Number

Primary APN	`S6600-00-03001-0`
Alternative APN	`255413`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,138 sqft Living Area
1st Floor Area	1,138 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1966
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,189 sqft (0.165 acres)
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	363 sqft
Storage Building	110 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	1515 NE 3RD AVE
City	OAK HARBOR
State	WA
Zip	98277-4911
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	EVERGRN TERR LOT 1 BLK 3
Legal Subdivision	EVERGRN TERR
Legal Block	3
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1022
Census Tract	970800

Owner

Source: Island County records, as of October 20, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 16, 2024	Deed of Trust, Mortgage · Conventional Mortgage INVESTOR MORTGAGE FINANCE LLC
May 27, 2026	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CTR
Apr 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA
Mar 20, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 27, 2026 · Amount on Record
Deed Sale	May 27, 2026 · Amount on Record
Prior Sale	Jul 2, 2024 · Amount on Record
Deed Document Number	20264601097
Prior Transfer Date	Jun 21, 2024
Prior Transfer Doc	0004574649
Record Updated	Oct 29, 2026

October 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911
Transaction Type	Mortgage
Record Updated	Jun 5, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004578272
Date	Oct 16, 2024
Instrument	4578272

Lender

Name	INVESTOR MORTGAGE FINANCE LLC
Type	Mortgage Company
Address	AUSTIN, TX 78758

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2054

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 27, 2026
Property Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911
Document Number	0004601097
Instrument Date	May 18, 2026
Instrument	20264601097
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$679,225.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911

Mortgage

Document Number	0004601098,
Date	May 27, 2026
Instrument	20264601098

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911
Document Number	0004462765
Instrument Date	Apr 22, 2019
Transaction Type	Mortgage
Record Updated	May 8, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 NE 3RD AVE OAK HARBOR WA 982774911, OAK HARBOR, WA 98277-4911

Mortgage

Document Number	0004462765
Date	Apr 29, 2019
Instrument	4462765

Lender

Name	KEYBANK USA
Type	Bank
Address	CLEVELAND, OH 44114-1306

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 28, 2049

March 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 20, 2018
Property Address	1515 NE 3RD AVE, OAK HARBOR, WA 98277-4911
Document Number	0004441083
Instrument Date	Mar 15, 2018
Instrument	4441083
Transaction Type	Transfer
Record Updated	Mar 30, 2018

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1515 NE 3RD AVE OAK HARBOR WA 982774911, OAK HARBOR, WA 98277-4911

Tax Assessment & Valuation

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Oak Harbor City
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,148.00 (+10.19%)
2025	$2,857.00 (+6.72%)	$344,203 (+5.06%) Land $180,000 Building $164,203	$344,203 (+5.06%) Land $180,000 Building $164,203
2023	$2,677.00	$327,630 (+9.76%) Land $170,000 Building $157,630	$327,630 (+9.76%) Land $170,000 Building $157,630
2022		$298,485 Land $160,000 Building $138,485	$298,485 Land $160,000 Building $138,485

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

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	None beyond 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	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 436 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, AT&T, Orcas Online.

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