1651 SW 9th Ave, Oak Harbor, WA 98277 Property Records

Island County property record for 1651 SW 9th Ave, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,956 sqft · built 1997
Lot Size	0.167 acres (7,280 sqft)
Owner	2 Individual Names on File
Tax Bill	$4,549 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-00-00017-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-00-00017-0`
Alternative APN	`736369`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	1,956 sqft Living Area
Gross Area	2,476 sqft
1st Floor Area	1,092 sqft
Upper Floors Area	864 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,280 sqft (0.167 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	357 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1651 SW 9TH AVE
City	OAK HARBOR
State	WA
Zip	98277-7230
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	SHANNON FOREST #1 LOT 17
Legal Subdivision	SHANNON FOREST #1
Legal Lot Number	17
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2034
Census Tract	970401

Owner

1651 SW 9th Ave is owned by two individuals who acquired it in January 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	7200 VICKY DR, WOODBINE, MD 21797-9152
Owner Type	Individual

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
Jul 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Dec 7, 2017	Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB
Jan 5, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 4, 2018
Transfer Doc	0004436944
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1651 SW 9TH AVE, OAK HARBOR, WA 98277-7230
Transaction Type	Mortgage
Record Updated	Jul 20, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004523893
Date	Jul 9, 2021
Instrument	4523893

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1651 SW 9TH AVE, OAK HARBOR, WA 98277-7230
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004435361
Date	Dec 7, 2017
Instrument	4435361

Lender

Name	NORTH AMERICAN SAVINGS BANK FSB
Type	Bank
Address	GRANDVIEW, MO 64030

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2048

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 5, 2018
Property Address	1651 SW 9TH AVE, OAK HARBOR, WA 98277-7230
Document Number	0004436944
Instrument Date	Dec 28, 2017
Instrument	4436944
Transaction Type	Transfer
Record Updated	Jan 11, 2018
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship

Tax Assessment & Valuation

The 2026 property tax bill for 1651 SW 9th Ave was $4,549.

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	$4,549.00
2025		$497,637 Land $210,000 Building $287,637	$497,637 Land $210,000 Building $287,637
2023	$3,921.00	$470,580 (+7.59%) Land $190,000 Building $280,580	$470,580 (+7.59%) Land $190,000 Building $280,580
2022		$437,364 Land $180,000 Building $257,364	$437,364 Land $180,000 Building $257,364

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

Flood

FEMA maps place 1651 SW 9th Ave in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 1651 SW 9th Ave 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	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 438 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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