Island County property record for 2055 Navy Ln, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4.75 ba · 2,897 sqft · built 2002 |
| Lot Size | 2.52 acres (109,771 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $777,000 (Apr 2022) |
| Tax Bill | $6,224 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit Jun 2023 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R13204-093-0870 |
| Primary APN | R13204-093-0870 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4.75 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 15 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,897 sqft Living Area |
| Gross Area | 3,457 sqft |
| 1st Floor Area | 1,817 sqft |
| Upper Floors Area | 1,096 sqft |
| Attic | Attic |
| Attic Area | 560 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Concrete |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 109,771 sqft (2.52 acres) |
| Garage Type | Detached |
| Garage Area | 1,200 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 402 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 2055 NAVY LN |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-8832 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20 |
| Legal Description | LOT 2 SP 84-121.13204.108-1040 V2 SP P81 AF#86014378 |
| Legal Range | 1E |
| Legal Township | 32N |
| Legal Section | 04 |
| Legal Subdivision | SHORT 84/121-12 13204 10 |
| Legal Lot Number | 2 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 970500 |
2055 Navy Ln is owned and occupied by two individuals who bought it in April 2022.
Source: Island County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jun 26, 2026 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION |
| Jun 1, 2023 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Apr 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Apr 20, 2022 | Intrafamily Transfer, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Apr 20, 2022 | Affidavit of Death of Joint Tenant, Transfer |
| Dec 2, 2016 | Loan Modification, Mortgage · Conventional Mortgage WELLS FARGO BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 20, 2022 · Amount on File |
| Deed Sale | Apr 20, 2022 · Amount on File |
| Deed Document Number | 20224543754 |
| Prior Transfer Date | Apr 19, 2022 |
| Prior Transfer Doc | 0004543753 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jun 26, 2026 |
| Property Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004602297 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20264602297 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0004602297, |
|---|---|
| Date | Jun 26, 2026 |
| Instrument | 20264602297 |
| Name | WHATCOM EDUCATIONAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004560546 |
|---|---|
| Date | Jun 1, 2023 |
| Instrument | 4560546 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Apr 20, 2022 |
| Property Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004543754 |
| Map Reference | VOL 2 PG 81 |
| Instrument Date | Apr 13, 2022 |
| Instrument | 4543754 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,935.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2055 WALSER LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004543756 |
|---|---|
| Date | Apr 20, 2022 |
| Instrument | 4543756 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Apr 20, 2022 |
| Property Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004543755 |
| Map Reference | VOL 2 PG 81 |
| Instrument Date | Apr 11, 2022 |
| Instrument | 4543755 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2055 WALSER LN, OAK HARBOR, WA 98277-8832 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Apr 20, 2022 |
| Property Address | 2055 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004543753 |
| Map Reference | MB 2 PG 081 |
| Instrument Date | Feb 11, 2022 |
| Instrument | 4543753 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 233, OAK HARBOR, WA 98277-0233 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 2055 WALSER LN, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004414796 |
| Instrument Date | Dec 2, 2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2055 WALSER LN OAK HARBOR WA 982778832, OAK HARBOR, WA 98277-8832 |
| Document Number | 0004414796 |
|---|---|
| Date | Jan 9, 2017 |
| Instrument | 4414796 |
| Name | WELLS FARGO BK |
|---|---|
| Type | Bank |
| Address | DES MOINES, IA 50328 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jan 8, 2047 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 1% |
The 2026 property tax bill for 2055 Navy Ln was $6,224, up 9.6% from the year before.
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 | $6,224.00 (+9.64%) | ||
| 2025 | $5,677.00 | $806,714 Land $260,000 Building $546,714 | $806,714 Land $260,000 Building $546,714 |
| 2023 | $5,129.00 | $774,181 (+12.08%) Land $240,000 Building $534,181 | $774,181 (+12.08%) Land $240,000 Building $534,181 |
| 2022 | $690,760 Land $220,000 Building $470,760 | $690,760 Land $220,000 Building $470,760 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2055 Navy Ln in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 2001.
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 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 |
|
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 risk around 2055 Navy Ln 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 104 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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