2575 W Beach Rd, Oak Harbor, WA 98277 Property Records

Island County property record for 2575 W Beach Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 4,006 sqft · built 1976
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on Record
Last Sale	$1,220,000 (Dec 2025)
Tax Bill	$9,614 (2026)
Deeds & Mortgages	Dec 2025 Sale & Mortgage Dec 2024 Transfer + 2 more
Flood Zone	Zone AE (high risk)
APN	`R13332-232-0140`

Property Details

APN / Parcel Number

Primary APN	`R13332-232-0140`
Alternative APN	`39577`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	4,006 sqft Living Area
Gross Area	4,918 sqft
1st Floor Area	1,911 sqft
Upper Floors Area	2,086 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1982
Exterior Material	Concrete
Foundation Type	Concrete
Roof Type	Flat
Roof Material	Built-Up Asphalt
Lot Area	12,197 sqft (0.28 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	802 sqft
Patio Area	244 sqft
Balcony Area	244 sqft

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	2575 W BEACH RD
City	OAK HARBOR
State	WA
Zip	98277-8865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	33 - IN GL 3 BG CON MON SWCR L12 VAC JUANITA PLAT S37W174.42TP WLN WEST BCH RD SLY ALG WLN RD S24W80 S22W80TPB S19W100 N72W TO WLN GL3 NELY TP N69W FR TPB S69E TPB INCL ADJ TIDES
Legal Range	1E
Legal Township	33N
Legal Section	32
Legal Lot Number	12
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1005
Census Tract	970500

Owner

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

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

Owner of Record	2 Individual Names on Record
Mailing Address	14135 AVONDALE RD NE, WOODINVILLE, WA 98072-6503
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Dec 22, 2025	Warranty Deed, Transfer · Conventional Mortgage CITIBANK NA
Dec 13, 2024	Quit Claim Deed, Transfer Quitclaim
Jun 1, 2018	Warranty Deed, Transfer BAY EQUITY
Feb 5, 2018	Deed of Trust, Mortgage · VA Mortgage HOMESTREET BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2025 · Amount on Record
Deed Sale	Dec 22, 2025 · Amount on Record
Prior Sale	Jun 1, 2018 · Amount on Record
Deed Document Number	20254594952
Prior Transfer Date	Dec 13, 2024
Prior Transfer Doc	0004580375
Record Updated	Oct 29, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 22, 2025
Property Address	2575 W BEACH RD, OAK HARBOR, WA 98277-8865
Document Number	0004594952
Instrument Date	Dec 10, 2025
Instrument	4594952
Transaction Type	Transfer
Record Updated	Jan 2, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,776.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14135 AVONDALE RD NE, WOODINVILLE, WA 98072-6503

Mortgage

Document Number	0004594953
Date	Dec 22, 2025
Instrument	4594953

Lender

Name	CITIBANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Jan 1, 2033
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Max Rate	10.3%

December 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 13, 2024
Property Address	2575 W BEACH RD, OAK HARBOR, WA 98277-8865
Document Number	0004580375
Instrument Date	Dec 13, 2024
Instrument	4580375
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name
Address	9520 AVON ALLEN RD, BOW, WA 98232-8715

Transferred To (Grantee/Buyer)

Name	Verified Name

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 1, 2018
Property Address	2575 W BEACH RD, OAK HARBOR, WA 98277-8865
Document Number	0004445385
Instrument Date	May 26, 2018
Instrument	4445385
Transaction Type	Transfer
Record Updated	Jun 12, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$14,868.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9520 AVON ALLEN RD BOW WA 982328715, BOW, WA 98232-8715

Mortgage

Document Number	4445386
Date	Jun 1, 2018
Instrument	4445386

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount Recorded
Term	360 Months
Due	May 31, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2575 W BEACH RD, OAK HARBOR, WA 98277-8865
Document Number	0004438962
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018
Title Company	STEWART TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2575 W BEACH RD OAK HARBOR WA 982778865, OAK HARBOR, WA 98277-8865

Mortgage

Document Number	0004438962
Date	Feb 9, 2018
Instrument	4438962

Lender

Name	HOMESTREET BK
Type	Bank
Address	SEATTLE, WA 98101-2326

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 8, 2048

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	$9,614.00 (+12.91%)
2025	$8,515.00 (+0.31%)	$1,254,065 (-0.39%) Land $500,000 Building $754,065	$1,254,065 (-0.39%) Land $500,000 Building $754,065
2023	$8,489.00	$1,259,019 (+9.24%) Land $490,000 Building $769,019	$1,259,019 (+9.24%) Land $490,000 Building $769,019
2022		$1,152,554 Land $450,000 Building $702,554	$1,152,554 Land $450,000 Building $702,554

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	13.0 ft
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 12 policies
Nearby Flood Policies	12 in force
Nearby Flood Claims	19 (2001–2024)
Claims Outside the SFHA	1 of 19
Most Recent Claim	Jan 2024 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Winter Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jan 2024 · 2 claims Severe Winter Storm, Straight-line Winds, Flooding, Landslides, And Mudslides, Jan 2021 · 2 claims Severe Winter Storm, Landslides, And Mudslides, Dec 2006 · 3 claims

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	WHIDBEY WEST WATER ASSOC. private · serves 415 people · EPA ID WA5336314
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2026 Haloacetic acids not recorded as resolved · Apr 2026
Treatment and Procedure	None last 10 years
Monitoring and Reporting	4 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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

4G LTE only, no 5G reported

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