1981 Even Down Way, Oak Harbor, WA 98277 Property Records

Island County property record for 1981 Even Down Way, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,804 sqft · built 1985
Lot Size	0.356 acres (15,520 sqft)
Owner	2 Individual Names on Record
Last Sale	$533,000 (Dec 2021)
Tax Bill	$4,262 (2025)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2021 Re-recorded Document + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S6588-02-00001-0`

Property Details

APN / Parcel Number

Primary APN	`S6588-02-00001-0`
Alternative APN	`571919`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	1 Story
Building Area	1,804 sqft Living Area
Gross Area	2,288 sqft
1st Floor Area	1,021 sqft
Upper Floors Area	826 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Roof Material	Asphalt
Lot Area	15,520 sqft (0.356 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	1981 EVEN DOWN WAY
City	OAK HARBOR
State	WA
Zip	98277-8804
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	EVEN DOWN #2 LOT 1
Legal Subdivision	EVEN DOWN #2
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1004
Census Tract	970500

Owner

Source: Island County records, as of October 20, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2021	Warranty Deed, Transfer · Conventional Mortgage BANK OF THE PACIFIC
Dec 6, 2021	Re-recorded Document
Oct 12, 2019	Deed of Trust, Mortgage · VA Mortgage PENNYMAC
Aug 27, 2018	Warranty Deed, Transfer · VA Mortgage HOMESTREET BANK
Jul 26, 2018	Deed of Trust, Mortgage · Line of Credit SAVIBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2021 · Amount on Record
Deed Sale	Dec 6, 2021 · Amount on Record
Prior Sale	Nov 24, 2021 · Amount on Record
Deed Document Number	20214535235
Prior Transfer Date	Nov 23, 2021
Prior Transfer Doc	0004535235
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Nov 24, 2021
Property Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Document Number	0004534559
Map Reference	VOL 13 PG 28
Instrument Date	Nov 23, 2021
Instrument	4534559
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,592.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804

Mortgage

Document Number	0004534560
Date	Nov 24, 2021
Instrument	4534560

Lender

Name	BANK OF THE PACIFIC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2021: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	ISLAND WA
Recording Date	Dec 6, 2021
Property Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Document Number	0004535235
Map Reference	VOL 13 PG 28
Instrument Date	Nov 23, 2021
Instrument	4535235
Record Updated	Oct 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Document Number	0004474039
Instrument Date	Oct 12, 2019
Transaction Type	Mortgage
Record Updated	Nov 8, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1981 EVEN DOWN WAY OAK HARBOR WA 982778804, OAK HARBOR, WA 98277-8804

Mortgage

Document Number	0004474039
Date	Oct 25, 2019
Instrument	4474039

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 24, 2049

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 27, 2018
Property Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Document Number	0004450669
Map Reference	VOL13 PG28
Instrument Date	Aug 24, 2018
Instrument	4450669
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Amount	Amount Recorded
Tax	$102.00
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	43630 ALBATROSS ST, HOLLYWOOD, MD 20636-3166

Mortgage

Document Number	0004450670
Date	Aug 27, 2018
Instrument	4450670

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	301 Months
Due	Sep 1, 2043

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	1981 EVEN DOWN WAY, OAK HARBOR, WA 98277-8804
Document Number	0004449127
Instrument Date	Jul 26, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1981 EVEN DOWN WAY OAK HARBOR WA 982778804, OAK HARBOR, WA 98277-8804

Mortgage

Document Number	0004449127
Date	Jul 31, 2018
Instrument	4449127

Lender

Name	SAVIBANK
Address	BELLINGHAM, WA 98225

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,262.00 (+6.79%)	$619,349 (+7.1%) Land $230,000 Building $389,349	$619,349 (+7.1%) Land $230,000 Building $389,349
2023	$3,991.00	$578,274 (+7.35%) Land $180,000 Building $398,274	$578,274 (+7.35%) Land $180,000 Building $398,274
2022		$538,667 Land $175,000 Building $363,667	$538,667 Land $175,000 Building $363,667

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 · 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 Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	19 (2001–2024)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Jan 2024 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jan 2024 · 2 claims Severe Winter Storm, Straight-line Winds, Flooding, Landslides, And Mudslides, Jan 2021 · 2 claims Severe Winter Storm, Landslides, And Mudslides, Dec 2006 · 3 claims

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

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	WHIDBEY WEST WATER ASSOC. private · serves 415 people · EPA ID WA5336314
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
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. 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 83 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Astound Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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