288 Torrence Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 288 Torrence Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Mobile Home
Details	2 bd · 1 ba · 1,932 sqft · built 1969
Lot Size	4.78 acres (208,217 sqft)
Owner	Individual Name on File
Last Sale	$535,000 (Jun 2026)
Tax Bill	$3,294 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Jun 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`R23319-302-3820`

Property Details

APN / Parcel Number

Primary APN	`R23319-302-3820`
Alternative APN	`101507`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,932 sqft Living Area
1st Floor Area	1,932 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1984
Architectural Style	Mobile Home
Exterior Material	Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Aluminum
Lot Area	208,217 sqft (4.78 acres)
Garage Type	Detached
Garage Area	1,280 sqft
Parking Spaces	13 Parking Spaces
Porch	Slab
Porch Area	332 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating Fuel	Electric

Location & Zoning

Street Address	288 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	55 - E/2 SE SW NE EX N30
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1001
Census Tract	970300

Owner

288 Torrence Ln, a mobile home, is owned and occupied by an individual who acquired it in September 2026.

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 File
Mailing Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Quit Claim Deed, Transfer · Conventional Mortgage NORTHWEST CREDIT UNION
Jun 23, 2026	Warranty Deed, Transfer · Conventional Mortgage FREEDOM NW CREDIT UNION
Dec 1, 2023	Transfer on Death Deed, Transfer
Nov 6, 2023	Affidavit of Death of Joint Tenant, Transfer
May 11, 2017	Warranty Deed, Transfer LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 23, 2026 · Amount on File
Deed Sale	Jun 23, 2026 · Amount on File
Prior Sale	May 11, 2017 · Amount on File
Deed Document Number	20264602148
Last Transfer Date	Sep 14, 2026
Transfer Doc	0004605937
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 21, 2026
Property Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004605937
Instrument Date	Sep 14, 2026
Instrument	20264605937
Transaction Type	Transfer
Record Updated	Sep 29, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transaction

Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186

Mortgage

Document Number	0004605938,
Date	Sep 21, 2026
Instrument	20264605938

Lender

Name	NORTHWEST CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Sep 21, 2036

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 23, 2026
Property Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004602148
Instrument Date	May 12, 2026
Instrument	20264602148
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$866,883.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Investor	Possibly a Property Investor

Mortgage

Document Number	0004602149,
Date	Jun 23, 2026
Instrument	20264602149

Lender

Name	FREEDOM NW CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jun 23, 2036

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

December 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 1, 2023
Property Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004567195
Instrument Date	Nov 30, 2023
Instrument	4567195
Transaction Type	Transfer
Record Updated	Dec 6, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4560 SUCIA DR, FERNDALE, WA 98248-9000

November 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ISLAND WA
Recording Date	Nov 6, 2023
Property Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004566416
Instrument Date	Nov 6, 2023
Instrument	4566416
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 11, 2017
Property Address	288 TORRENCE LN, OAK HARBOR, WA 98277-9186
Document Number	0004422293
Instrument Date	May 8, 2017
Instrument	4422293
Transaction Type	Transfer
Record Updated	May 23, 2017
Title Company	LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Transaction

Amount	Amount on Record
Tax	$3,681.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	288 TORRENCE LN OAK HARBOR WA 982779186, OAK HARBOR, WA 98277-9186

Tax Assessment & Valuation

The 2026 property tax bill for 288 Torrence Ln was $3,294, up 12.5% from the year before.

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	$3,294.00 (+12.54%)
2025	$2,927.00	$422,807 Land $300,000 Building $122,807	$422,807 Land $300,000 Building $122,807
2023	$2,585.00	$388,029 (+12.96%) Land $270,000 Building $118,029	$388,029 (+12.96%) Land $270,000 Building $118,029
2022		$343,510 Land $240,000 Building $103,510	$343,510 Land $240,000 Building $103,510

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

Flood

FEMA maps place 288 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 288 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.

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