2285 Bernard Way, Oak Harbor, WA 98277 Property Records

Island County property record for 2285 Bernard Way, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,138 sqft · built 1971
Lot Size	1.07 acres (46,609 sqft)
Owner	Individual Name on File
Last Sale	$162,879 (Feb 2004)
Tax Bill	$3,351 (2026)
Deeds & Mortgages	Dec 2017 Mortgage Jul 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R13204-380-4520`

Property Details

APN / Parcel Number

Primary APN	`R13204-380-4520`
Alternative APN	`708862`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,138 sqft Living Area
1st Floor Area	1,138 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1976
Exterior Material	Hardboard/Plywood
Construction Type	Wood
Foundation Type	Block
Roof Material	Aluminum
Lot Area	46,609 sqft (1.07 acres)
Garage Type	Carport
Garage Area	370 sqft
Carport	Carport
Carport Area	370 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	192 sqft
Storage Building	56 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2285 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	LOT 1 SP 32-93.13204.387-4500
Legal Range	1E
Legal Township	32N
Legal Section	04
Legal Subdivision	ISLAND COUNTY SHORT 032
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2027
Census Tract	970401

Owner

2285 Bernard Way is owned and occupied by an individual who bought it in February 2004.

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

Owner of Record	Individual Name on File
Mailing Address	2285 BERNARD WAY, OAK HARBOR, WA 98277-7586
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2017	Deed of Trust, Mortgage · Commercial Mortgage BANNER BANK
Jul 18, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
Oct 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 2, 2004 · Amount on File
Deed Sale	Feb 2, 2004 · Amount on File
Deed Document Number	20044090171
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2285 BERNARD WAY, OAK HARBOR, WA 98277-7586
Transaction Type	Mortgage
Record Updated	Sep 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004436503
Date	Dec 28, 2017
Instrument	4436503

Lender

Name	BANNER BANK
Type	Bank
Address	OAK HARBOR, WA 98277

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2285 BERNARD WAY, OAK HARBOR, WA 98277-7586
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004448234
Date	Jul 18, 2018
Instrument	4448234

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2048

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2285 BERNARD WAY, OAK HARBOR, WA 98277-7586
Transaction Type	Mortgage
Record Updated	Sep 13, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004498967
Date	Oct 9, 2020
Instrument	4498967

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2285 Bernard Way was $3,351.

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	$3,351.00
2025		$430,320 Land $240,000 Building $190,320	$430,320 Land $240,000 Building $190,320
2023	$2,814.00	$410,320 (+9.47%) Land $220,000 Building $190,320	$410,320 (+9.47%) Land $220,000 Building $190,320
2022		$374,821 Land $200,000 Building $174,821	$374,821 Land $200,000 Building $174,821

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

Flood

FEMA maps place 2285 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 2285 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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