265 Torrence Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 265 Torrence Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 2,006 sqft · built 1992
Lot Size	2.41 acres (104,980 sqft)
Owner	2 Individual Names on File
Tax Bill	$543 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R23319-369-3580`

Property Details

APN / Parcel Number

Primary APN	`R23319-369-3580`
Alternative APN	`596028`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	3,014 sqft
1st Floor Area	2,006 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Aluminum
Lot Area	104,980 sqft (2.41 acres)
Garage Type	Attached
Garage Area	1,008 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	317 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating Fuel	Electric

Location & Zoning

Street Address	265 TORRENCE LN
City	OAK HARBOR
State	WA
Zip	98277-9186
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	20
Legal Description	LOT B SP 84-39.23319.369-3500 V1 SP P344 AF#85005306
Legal Range	2E
Legal Township	33N
Legal Section	19
Legal Subdivision	ISLAND COUNTY SHORT 84
Legal Lot Number	B
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1001
Census Tract	970300

Owner

265 Torrence Ln, a mobile home, is owned and occupied by two individuals who acquired it in May 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	265 TORRENCE LN, OAK HARBOR, WA 98277-9186
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 15, 2020	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Jul 16, 2019	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
Jan 26, 2018	Deed of Trust, Mortgage · VA Mortgage SOVEREIGN LNDG
May 24, 2017	Quit Claim Deed, Transfer · VA Mortgage SOVEREIGN LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 12, 2016
Deed Sale	May 12, 2016
Deed Document Number	20164399112
Last Transfer Date	May 15, 2017
Transfer Doc	0004422982
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	265 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004490466
Instrument Date	Jun 15, 2020
Transaction Type	Mortgage
Record Updated	Aug 24, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	265 TORRENCE LN OAK HARBOR WA 982779186, OAK HARBOR, WA 98277-9186

Mortgage

Document Number	0004490466
Date	Jul 6, 2020
Instrument	4490466

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 5, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	265 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004467707
Instrument Date	Jul 16, 2019
Transaction Type	Mortgage
Record Updated	Aug 6, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	265 TORRENCE LN OAK HARBOR WA 982779186, OAK HARBOR, WA 98277-9186

Mortgage

Document Number	0004467707
Date	Jul 23, 2019
Instrument	4467707

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 22, 2049

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	265 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004438579
Instrument Date	Jan 26, 2018
Transaction Type	Mortgage
Record Updated	Feb 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	265 TORRENCE LN OAK HARBOR WA 982779186, OAK HARBOR, WA 98277-9186

Mortgage

Document Number	0004438579
Date	Feb 2, 2018
Instrument	4438579

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2048

May 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	May 24, 2017
Property Address	265 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004422982
Instrument Date	May 15, 2017
Instrument	4422982
Transaction Type	Transfer
Record Updated	Jun 5, 2017
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	265 TORRENCE LN OAK HARBOR WA 982779186, OAK HARBOR, WA 98277-9186

Mortgage

Document Number	4422983
Date	May 24, 2017
Instrument	4422983

Lender

Name	SOVEREIGN LNDG
Address	COSTA MESA, CA 92626

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 23, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 265 Torrence Ln was $543 with a senior citizen's exemption.

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	$543.00
2025		$413,986 Land $250,000 Building $163,986	$413,986 Land $250,000 Building $163,986
2023	$827.00 Senior Citizen's exemption	$371,511 (+8.26%) Land $220,000 Building $151,511	$371,511 (+8.26%) Land $220,000 Building $151,511
2022		$343,157 Land $210,000 Building $133,157	$343,157 Land $210,000 Building $133,157

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

Flood

FEMA maps place 265 Torrence Ln in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective June 26, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 265 Torrence Ln is low, with a 0.01% annual chance of 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	SUNSET DEVELOPMENT COMM CLUB private · serves 92 people · EPA ID WA5386075
Water Source	Groundwater
Last State Inspection	May 2022
Lead	49 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control currently in violation since Jun 2026
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Astound Broadband, T-Mobile.

Nearby Properties on Torrence Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures