Island County property record for 2056 Navy Ln, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 3.5 ba · 3,584 sqft · built 2002 |
| Lot Size | 2.52 acres (109,771 sqft) |
| Owner | Individual Name on File |
| Last Sale | $590,000 (Apr 2010) |
| Tax Bill | $7,368 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Jun 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | R13204-093-1200 |
| Primary APN | R13204-093-1200 |
|---|---|
| Alternative APN |
|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 5 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 3,584 sqft Living Area |
| Gross Area | 4,820 sqft |
| 1st Floor Area | 2,782 sqft |
| Upper Floors Area | 807 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| 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 | Attached |
| Garage Area | 852 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 1,118 sqft |
| Total Buildings | 2 Buildings |
| Heating System | Heat Pump |
|---|---|
| Heating Fuel | Gas |
| Street Address | 2056 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 3 SP 84-121.13204.108-1040 V2 SP P81 AF#86014378 |
| Legal Subdivision | SHORT 84-121 |
| Legal Lot Number | 3 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 970500 |
2056 Navy Ln is owned and occupied by an individual who bought it in April 2010.
Source: Island County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2056 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 |
|---|---|
| Sep 9, 2021 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Jun 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 29, 2010 · Amount on File |
| Deed Sale | Apr 29, 2010 · Amount on File |
| Prior Sale | Jul 14, 2005 · Amount on File |
| Deed Document Number | 20104273130 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 2056 NAVY LN, OAK HARBOR, WA 98277-8832 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0004528659 |
|---|---|
| Date | Sep 9, 2021 |
| Instrument | 4528659 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 347 Months |
| Due | Aug 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 2056 WALSER LN, OAK HARBOR, WA 98277-8832 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | CASCADE TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004489932 |
|---|---|
| Date | Jun 29, 2020 |
| Instrument | 4489932 |
| Name | HOMEBRIDGE FINANCIAL SERVICES INC |
|---|---|
| Type | Mortgage Company |
| Address | ISELIN, NJ 08830 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jul 1, 2050 |
The 2026 property tax bill for 2056 Navy Ln was $7,368.
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 | $7,368.00 | ||
| 2025 | $956,663 Land $260,000 Building $696,663 | $956,663 Land $260,000 Building $696,663 | |
| 2023 | $6,153.00 | $905,976 (+9.09%) Land $240,000 Building $665,976 | $905,976 (+9.09%) Land $240,000 Building $665,976 |
| 2022 | $830,513 Land $220,000 Building $610,513 | $830,513 Land $220,000 Building $610,513 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2056 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 2056 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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