2492 Olympic Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 2492 Olympic Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,311 sqft · built 1975
Owner	Individual Name on Record
Last Sale	$440,000 (Jan 2026)
Tax Bill	$2,950 (2023)
Deeds & Mortgages	Feb 2022 Mortgage Aug 2024 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7685-04-00099-0`

Property Details

APN / Parcel Number

Primary APN	`S7685-04-00099-0`
Alternative APN	`344782`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,311 sqft Living Area
1st Floor Area	1,311 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Garage Type	Attached
Garage Area	460 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	420 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Account Number	344782
Street Address	2492 OLYMPIC DR
City	OAK HARBOR
State	WA
Zip	98277-8018
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	P HILLCR 4 LOT 99
Legal Subdivision	PATTONS HILLCREST 4
Legal Lot Number	99
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1009
Census Tract	970401

Owner

Source: Island County records, as of January 16, 2026

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	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2022	Deed of Trust, Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Aug 7, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jan 7, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 7, 2026 · Amount on Record
Deed Sale	Jan 7, 2026 · Amount on Record
Prior Sale	May 6, 2016 · Amount on Record
Deed Document Number	4595434
Record Updated	Jun 8, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018

Mortgage

Document Number	0004539804
Date	Feb 16, 2022
Instrument	4539804

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Amount	Amount Recorded
Term	292 Months
Due	Jun 1, 2046

August 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018
Transaction Type	Mortgage
Record Updated	Jan 19, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018

Mortgage

Document Number	0004575493
Date	Aug 7, 2024
Instrument	4575493

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	262 Months
Due	Jun 1, 2046

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 7, 2026
Property Address	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018
Document Number	0004595434
Map Reference	VOL 12 PG 14
Instrument Date	Jan 5, 2026
Instrument	4595434
Transaction Type	Transfer
Record Updated	Jan 19, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,045.00
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	2492 OLYMPIC DR, OAK HARBOR, WA 98277-8018

Mortgage

Document Number	0004595435
Date	Jan 7, 2026
Instrument	4595435

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$446,138 (+4.69%) Land $210,000 Building $236,138	$446,138 (+4.69%) Land $210,000 Building $236,138
2023	$2,950.00	$426,138 (+7.45%) Land $190,000 Building $236,138	$426,138 (+7.45%) Land $190,000 Building $236,138
2022		$396,595 Land $180,000 Building $216,595	$396,595 Land $180,000 Building $216,595

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	Not rated no burnable land within 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	HILLCREST VILLAGE WATER CO INC private · serves 770 people · EPA ID WA5333150
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 353 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
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, Ziply Fiber.

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