2545 Ridgeview Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 2545 Ridgeview Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,364 sqft · built 1959
Lot Size	0.337 acres (14,663 sqft)
Owner	Individual Name on Record
Last Sale	$130,280 (May 2011)
Tax Bill	$2,978 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2019 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7685-02-14055-0`

Property Details

APN / Parcel Number

Primary APN	`S7685-02-14055-0`
Alternative APN	`344194`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,364 sqft Living Area
1st Floor Area	1,364 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1971
Exterior Material	Aluminum/Vinyl
Foundation Type	Block
Roof Material	Asphalt
Lot Area	14,663 sqft (0.337 acres)
Garage Type	Carport
Garage Area	240 sqft
Carport	Carport
Carport Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	2545 RIDGEVIEW DR
City	OAK HARBOR
State	WA
Zip	98277-8946
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	PATTONS HILLCREST #2 LOT 55 BLK 14
Legal Subdivision	PATTONS HILLCREST #2
Legal Block	14
Legal Lot Number	55
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1011
Census Tract	970401

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	2545 RIDGEVIEW DR, OAK HARBOR, WA 98277-8946
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 17, 2021	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Nov 2, 2019	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Feb 21, 2018	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 10, 2011 · Amount on Record
Deed Sale	May 10, 2011 · Amount on Record
Deed Document Number	20114294912
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2545 RIDGEVIEW DR, OAK HARBOR, WA 98277-8946
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0004533831
Date	Nov 17, 2021
Instrument	4533831

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2545 RIDGEVIEW DR, OAK HARBOR, WA 98277-8946
Document Number	0004477645
Instrument Date	Nov 2, 2019
Transaction Type	Mortgage
Record Updated	Dec 31, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2545 RIDGEVIEW DR OAK HARBOR WA 982778946, OAK HARBOR, WA 98277-8946

Mortgage

Document Number	0004477645
Date	Dec 17, 2019
Instrument	4477645

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Dec 16, 2059

Interest

Rate Type	Adjustable Rate

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2545 RIDGEVIEW DR, OAK HARBOR, WA 98277-8946
Document Number	0004440342
Instrument Date	Feb 21, 2018
Transaction Type	Mortgage
Record Updated	Mar 15, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2545 RIDGEVIEW DR OAK HARBOR WA 982778946, OAK HARBOR, WA 98277-8946

Mortgage

Document Number	0004440342
Date	Mar 7, 2018
Instrument	4440342

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 6, 2038

Tax Assessment & Valuation

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	$2,978.00 (+19.02%)
2025		$384,491 (+7.08%) Land $210,000 Building $174,491	$384,491 (+7.08%) Land $210,000 Building $174,491
2023	$2,502.00	$359,060 (+7.01%) Land $190,000 Building $169,060	$359,060 (+7.01%) Land $190,000 Building $169,060
2022		$335,541 Land $180,000 Building $155,541	$335,541 Land $180,000 Building $155,541

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 97% of the US · lower than 98% of Washington
Wildfire Likelihood	Under 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	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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