2578 Ridgeview Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 2578 Ridgeview Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,080 sqft · built 1961
Lot Size	0.347 acres (15,102 sqft)
Owner	2 Individual Names on File
Last Sale	$412,000 (May 2025)
Tax Bill	$3,139 (2026)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7685-02-12016-0`

Property Details

APN / Parcel Number

Primary APN	`S7685-02-12016-0`
Alternative APN	`343738`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,080 sqft Living Area
Gross Area	1,356 sqft
1st Floor Area	1,080 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1970
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Aluminum
Lot Area	15,102 sqft (0.347 acres)
Garage Type	Attached
Garage Area	276 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	359 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Oil

Location & Zoning

Street Address	2578 RIDGEVIEW DR
City	OAK HARBOR
State	WA
Zip	98277-8904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	PATTONS HILLCREST VILLAGE 2 LOT 16 BLK 12 EX S20
Legal Subdivision	PATTONS HILLCREST VILLAGE 2
Legal Block	12
Legal Lot Number	16
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1010
Census Tract	970401

Owner

2578 Ridgeview Dr is owned and occupied by two individuals who bought it in May 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	2578 RIDGEVIEW DR, OAK HARBOR, WA 98277-8904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

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
Apr 23, 2021	Deed of Trust, Mortgage · VA Mortgage BANK OF THE PACIFIC
Apr 12, 2021	Warranty Deed, Transfer · VA Mortgage BANK OF THE PACIFIC
Mar 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 6, 2025 · Amount on File
Deed Sale	May 6, 2025 · Amount on File
Prior Sale	Apr 12, 2021 · Amount on File
Deed Document Number	20254585420
Prior Transfer Date	Dec 7, 2012
Prior Transfer Doc	0004329095
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2578 RIDGEVIEW DR, OAK HARBOR, WA 98277-8904
Transaction Type	Mortgage
Record Updated	Aug 10, 2023
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004517325
Date	Apr 23, 2021
Instrument	4517325

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

April 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 12, 2021
Property Address	2578 RIDGEVIEW DR, OAK HARBOR, WA 98277-8904
Document Number	0004516291
Map Reference	VOL 6 PG 30
Instrument Date	Apr 9, 2021
Instrument	4516291
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,685.00
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	145 N 18TH E, MOUNTAIN HOME, ID 83647-3170

Mortgage

Document Number	0004516292
Date	Apr 12, 2021
Instrument	4516292

Lender

Name	BANK OF THE PACIFIC
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	2578 RIDGEVIEW DR, OAK HARBOR, WA 98277-8904
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004482402
Date	Mar 4, 2020
Instrument	4482402

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Mar 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 2578 Ridgeview Dr was $3,139.

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	$3,139.00
2025		$405,654 Land $210,000 Building $195,654	$405,654 Land $210,000 Building $195,654
2023	$2,600.00	$374,001 (+7.2%) Land $190,000 Building $184,001	$374,001 (+7.2%) Land $190,000 Building $184,001
2022		$348,889 Land $180,000 Building $168,889	$348,889 Land $180,000 Building $168,889

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

Flood

FEMA maps place 2578 Ridgeview Dr 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
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

The area around 2578 Ridgeview Dr has no burnable land within ember reach, so its wildfire risk is not rated.

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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