Island County property record for 188 Torrence Ln, Oak Harbor, WA 98277
| Property Type | Mobile Home |
|---|---|
| Details | 2 bd · 2 ba · 1,782 sqft · built 1989 |
| Lot Size | 5 acres (217,800 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $3,475 (2026) |
| Deeds & Mortgages | Nov 2022 Reverse Mortgage Sep 2022 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | R23319-305-2490 |
| Primary APN | R23319-305-2490 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,782 sqft Living Area |
| 1st Floor Area | 1,782 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Slab (Mat/Raft) |
| Roof Type | Flat |
| Roof Material | Aluminum |
| Lot Area | 217,800 sqft (5 acres) |
| Garage Type | Carport |
| Garage Area | 1,008 sqft |
| Carport | Carport |
| Carport Area | 1,008 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 804 sqft |
| Deck Area | Deck Area |
| Storage Building | 336 sqft |
| Cooling System | Evaporative |
|---|---|
| Heating Fuel | Electric |
| Street Address | 188 TORRENCE LN |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-9107 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Mobile Home |
| Local Zoning Code | 20 |
| Legal Description | 12 - E/2 SE SE NW EX N30 |
| Legal Range | 2E |
| Legal Township | 33N |
| Legal Section | 19 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 188 TORRENCE LN, OAK HARBOR, WA 98277-9107 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Unmarried Man |
| Date | Document |
|---|---|
| Nov 3, 2022 | Deed of Trust, Mortgage · Reverse Mortgage AMERICAN ADVISORS GROUP |
| Sep 12, 2022 | Intrafamily Transfer, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Sep 1, 2022 |
| Transfer Doc | 0004551046 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 188 TORRENCE LN, OAK HARBOR, WA 98277-9107 |
| Transaction Type | Mortgage |
| Record Updated | Nov 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 188 TORRENCE LN, OAK HARBOR, WA 98277-9107 |
| Document Number | 0004553388 |
|---|---|
| Date | Nov 3, 2022 |
| Instrument | 4553388 |
| Name | AMERICAN ADVISORS GROUP |
|---|---|
| Type | Mortgage Company |
| Address | CLEVELAND, OH 44128 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 866 Months |
| Due | Jan 19, 2095 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.32% |
| Type Change Date | Dec 1, 2022 |
| Change Frequency | Annually |
| Index | LIBOR |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Sep 12, 2022 |
| Property Address | 188 TORRENCE LN, OAK HARBOR, WA 98277-9107 |
| Document Number | 0004551046 |
| Instrument Date | Sep 2, 2022 |
| Instrument | 4551046 |
| Transaction Type | Transfer |
| Record Updated | Sep 20, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,475.00 (+12.9%) | ||
| 2025 | $3,078.00 (+17.48%) | $446,541 (+10.28%) Land $300,000 Building $146,541 | $446,541 (+10.28%) Land $300,000 Building $146,541 |
| 2023 | $2,620.00 | $404,915 (+16.23%) Land $270,000 Building $134,915 | $404,915 (+16.23%) Land $270,000 Building $134,915 |
| 2022 | $348,382 Land $240,000 Building $108,382 | $348,382 Land $240,000 Building $108,382 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUNSET DEVELOPMENT COMM CLUB private · serves 92 people · EPA ID WA5386075 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | May 2022 |
| Lead | 49 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | Corrosion control currently in violation since Jun 2026 |
| Monitoring and Reporting | 4 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.
Source: FCC Broadband Data Collection, based on 48 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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