2280 Bernard Way, Oak Harbor, WA 98277 Property Records

Island County property record for 2280 Bernard Way, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,089 sqft · built 1984
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$444,000 (Jul 2017)
Tax Bill	$5,060 (2026)
Deeds & Mortgages	Oct 2019 Mortgage Jul 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R13204-370-4590`

Property Details

APN / Parcel Number

Primary APN	`R13204-370-4590`
Alternative APN	`532908`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,089 sqft Living Area
Gross Area	2,546 sqft
1st Floor Area	1,466 sqft
Upper Floors Area	623 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2004
Exterior Material	Aluminum/Vinyl
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	457 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	356 sqft
Cabin	544 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	2280 BERNARD WAY
City	OAK HARBOR
State	WA
Zip	98277-7586
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	TR C-2 SP 81-24.13204.384-4560 V1 SP P93 AF#383713
Legal Range	1E
Legal Township	32N
Legal Section	04
Legal Subdivision	ISLAND COUNTY SHORT 81
Legal Tract	C-2
Legal Lot Number	C-2
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2027
Census Tract	970401

Owner

2280 Bernard Way is owned and occupied by an individual who bought it in July 2017.

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

Owner of Record	Individual Name on File
Mailing Address	2280 BERNARD WAY, OAK HARBOR, WA 98277-7586
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

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
Oct 25, 2019	Deed of Trust, Mortgage · VA Mortgage WELLS FARGO BANK NA
Jul 17, 2017	Warranty Deed, Transfer · VA Mortgage AMERICAN PACIFIC MORTGAGE
Jul 17, 2017	Quit Claim Deed, Transfer PREMIER TITLE COMPANY, PREMIER TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 17, 2017 · Amount on File
Deed Sale	Jul 17, 2017 · Amount on File
Prior Sale	Oct 31, 2013 · Amount on File
Deed Document Number	20174426324
Prior Transfer Date	Jul 13, 2017
Prior Transfer Doc	0004426325
Record Updated	Oct 29, 2026

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2280 BERNARD WAY, OAK HARBOR, WA 98277-7586
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004474053
Date	Oct 25, 2019
Instrument	4474053

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 17, 2017
Property Address	2280 BERNARD WAY, OAK HARBOR, WA 98277-7586
Document Number	0004426324
Map Reference	VOL1 PG93
Instrument Date	Jul 17, 2017
Instrument	4426324
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,908.20
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	2280 BERNARD WAY, OAK HARBOR, WA 98277-7586

Mortgage

Document Number	0004426326
Date	Jul 17, 2017
Instrument	4426326

Lender

Name	AMERICAN PACIFIC MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 17, 2017
Property Address	2280 BERNARD WAY, OAK HARBOR, WA 98277-7586
Document Number	0004426325
Instrument Date	Jul 13, 2017
Instrument	4426325
Transaction Type	Transfer
Record Updated	Aug 1, 2017
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	131 SE REGATTA DR #A OAK HARBOR WA 982774955, A, OAK HARBOR, WA 98277-4955

Tax Assessment & Valuation

The 2026 property tax bill for 2280 Bernard Way was $5,060.

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
2026	$5,060.00
2025		$657,355 Land $200,000 Building $457,355	$657,355 Land $200,000 Building $457,355
2023	$4,520.00	$648,255 (+6.13%) Land $180,000 Building $468,255	$648,255 (+6.13%) Land $180,000 Building $468,255
2022		$610,826 Land $180,000 Building $430,826	$610,826 Land $180,000 Building $430,826

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

Flood

FEMA maps place 2280 Bernard Way 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 2280 Bernard Way 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	FAIRWAY ESTATES INC private · serves 100 people · EPA ID WA5324524
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 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, Ziply Fiber.

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