305 Torrence Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 305 Torrence Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,308 sqft · built 2006
Lot Size	7.15 acres (311,454 sqft)
Owner	2 Individual Names on Record
Last Sale	$482,000 (Jun 2018)
Tax Bill	$5,618 (2026)
Deeds & Mortgages	Jan 2020 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R23319-361-4520`

Property Details

APN / Parcel Number

Primary APN	`R23319-361-4520`
Alternative APN	`568736`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,308 sqft Living Area
Gross Area	2,803 sqft
1st Floor Area	1,588 sqft
Upper Floors Area	724 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	311,454 sqft (7.15 acres)
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	857 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	305 TORRENCE LN
City	OAK HARBOR
State	WA
Zip	98277-9161
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	LOT 2 SP 83-16.23319.365-4400 V1 SP P226
Legal Subdivision	SHORT 83/16-3 23319 365
Legal Lot Number	2
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1001
Census Tract	970300

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	2 Individual Names on Record
Mailing Address	305 TORRENCE LN, OAK HARBOR, WA 98277-9161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Jun 11, 2018	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 11, 2018 · Amount on Record
Deed Sale	Jun 11, 2018 · Amount on Record
Prior Sale	Apr 23, 2012 · Amount on Record
Deed Document Number	20184445948
Record Updated	Oct 29, 2026

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	305 TORRENCE LN, OAK HARBOR, WA 98277-9161
Document Number	0004480218
Instrument Date	Jan 24, 2020
Transaction Type	Mortgage
Record Updated	Feb 11, 2020
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	305 TORRENCE LN OAK HARBOR WA 982779161, OAK HARBOR, WA 98277-9161

Mortgage

Document Number	0004480218
Date	Jan 29, 2020
Instrument	4480218

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 28, 2050

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 11, 2018
Property Address	305 TORRENCE LN, OAK HARBOR, WA 98277-9161
Document Number	0004445948
Instrument Date	Jun 8, 2018
Instrument	4445948
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,584.60
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1309 ORCHARD LOOP, OAK HARBOR, WA 98277-8911

Mortgage

Document Number	0004445949
Date	Jun 11, 2018
Instrument	4445949

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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	$5,618.00 (+18.67%)
2025		$727,335 (+3.2%) Land $300,000 Building $427,335	$727,335 (+3.2%) Land $300,000 Building $427,335
2023	$4,734.00	$704,755 (+10.68%) Land $270,000 Building $434,755	$704,755 (+10.68%) Land $270,000 Building $434,755
2022		$636,732 Land $240,000 Building $396,732	$636,732 Land $240,000 Building $396,732

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

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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.

Cell Coverage

5G (outdoors only) and 4G LTE

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