2425 SW Navigator Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 2425 SW Navigator Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,877 sqft · built 2010
Lot Size	0.119 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$260,280 (Jun 2014)
Tax Bill	$4,323 (2023)
Deeds & Mortgages	Sep 2017 Mortgage Dec 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8536-00-00035-0`

Property Details

APN / Parcel Number

Primary APN	`S8536-00-00035-0`
Alternative APN	`809906`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	14 Plumbing Fixtures
Building Area	1,877 sqft Living Area
Gross Area	2,511 sqft
1st Floor Area	737 sqft
2nd Floor Area	1,140 sqft
Upper Floors Area	1,140 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	5,227 sqft (0.119 acres)
Garage Type	Attached
Garage Area	633 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	470 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	809906
Street Address	2425 SW NAVIGATOR LOOP
City	OAK HARBOR
State	WA
Zip	98277-9596
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	ON FROSTAD POND LOT 35
Legal Subdivision	ON FROSTAD POND
Legal Lot Number	35
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2016
Census Tract	970500

Owner

Source: Island County records, as of October 29, 2025

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

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2425 SW NAVIGATOR LOOP, OAK HARBOR, WA 98277-9596
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2017	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Dec 31, 2019	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2014 · Amount on Record
Deed Sale	Jun 26, 2014 · Amount on Record
Prior Sale	Sep 13, 2010 · Amount on Record
Deed Document Number	4361488
Record Updated	Jun 8, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2425 SW NAVIGATOR LOOP, OAK HARBOR, WA 98277-9596
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004429812
Date	Sep 11, 2017
Instrument	4429812

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2047

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2425 SW NAVIGATOR LOOP, OAK HARBOR, WA 98277-9596
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004478448
Date	Dec 31, 2019
Instrument	4478448

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$532,758 (+3.9%) Land $170,000 Building $362,758	$532,758 (+3.9%) Land $170,000 Building $362,758
2023	$4,323.00	$512,758 (+6.33%) Land $150,000 Building $362,758	$512,758 (+6.33%) Land $150,000 Building $362,758
2022		$482,250 Land $150,000 Building $332,250	$482,250 Land $150,000 Building $332,250

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
Nearby Flood Policies	2 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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 251 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.

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