1695 SW 7th Ave, Oak Harbor, WA 98277 Property Records

Island County property record for 1695 SW 7th Ave, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,720 sqft · built 1998
Lot Size	0.217 acres (9,454 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Nov 2019)
Tax Bill	$4,904 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Jul 2022 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00090-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00090-0`
Alternative APN	`759218`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,720 sqft Living Area
Gross Area	2,248 sqft
1st Floor Area	1,720 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	9,454 sqft (0.217 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1695 SW 7TH AVE
City	OAK HARBOR
State	WA
Zip	98277-7240
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	SHANNON FOREST #3 LOT 90
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	90
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2037
Census Tract	970401

Owner

1695 SW 7th Ave is owned by an individual who bought it in November 2019.

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

Owner of Record	Individual Name on File
Mailing Address	2211 30TH ST, ANACORTES, WA 98221-2603
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
Aug 19, 2021	Deed of Trust, Mortgage · VA Mortgage LENDUS LLC
Jul 26, 2022	Deed of Trust, Mortgage · Line of Credit HOMEBRIDGE FINANCIAL SERVICES INC
Sep 20, 2019	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCIAL NETWORK INC
Nov 15, 2019	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Jun 29, 2018	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2019 · Amount on File
Deed Sale	Nov 15, 2019 · Amount on File
Prior Sale	Jun 29, 2018 · Amount on File
Deed Document Number	20194475552
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004527164
Date	Aug 19, 2021
Instrument	4527164

Lender

Name	LENDUS LLC
Type	Mortgage Company
Address	ALAMO, CA 94507

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	353 Months
Due	Jan 1, 2051

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004548647
Date	Jul 26, 2022
Instrument	4548647

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 16, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004471754
Date	Sep 20, 2019
Instrument	4471754

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Nov 15, 2019
Property Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240
Document Number	0004475552
Map Reference	VOL 13 PG 163&164
Instrument Date	Nov 13, 2019
Instrument	4475552
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,947.00
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	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240

Mortgage

Document Number	0004475553
Date	Nov 15, 2019
Instrument	4475553

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 29, 2018
Property Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240
Document Number	0004447120
Map Reference	VOL13 PG163-614
Instrument Date	Jun 26, 2018
Instrument	4447120
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND COUN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,208.30
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1695 SW 7TH AVE, OAK HARBOR, WA 98277-7240

Mortgage

Document Number	0004447121
Date	Jun 29, 2018
Instrument	4447121

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2026 property tax bill for 1695 SW 7th Ave was $4,904.

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	$4,904.00
2025		$536,608 Land $210,000 Building $326,608	$536,608 Land $210,000 Building $326,608
2023	$4,296.00	$516,608 (+7.8%) Land $190,000 Building $326,608	$516,608 (+7.8%) Land $190,000 Building $326,608
2022		$479,219 Land $180,000 Building $299,219	$479,219 Land $180,000 Building $299,219

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

Flood

FEMA maps place 1695 SW 7th 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 1695 SW 7th 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 406 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, T-Mobile.

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