3257 E Harbor Rd, Langley, WA 98260 Property Records

Island County property record for 3257 E Harbor Rd, Langley, WA 98260

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,172 sqft · built 1993
Lot Size	0.367 acres (16,001 sqft)
Owner	2 Individual Names on Record
Last Sale	$440,000 (May 2026)
Tax Bill	$3,351 (2025)
Deeds & Mortgages	Nov 2025 Second Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S8090-00-00162-0`

Property Details

APN / Parcel Number

Primary APN	`S8090-00-00162-0`
Alternative APN	`373811`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,172 sqft Living Area
Gross Area	1,332 sqft
1st Floor Area	1,172 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1997
Exterior Material	Combination
Construction Type	Wood
Roof Material	Aluminum
Lot Area	16,001 sqft (0.367 acres)
Porch	Enclosed Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	3257 E HARBOR RD
City	LANGLEY
State	WA
Zip	98260-9697
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	SARATOGA BCH 1 LOT 162
Legal Subdivision	SARATOGA BCH 1
Legal Lot Number	162
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2014
Census Tract	971900

Owner

Source: Island County records, as of May 19, 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	3257 E HARBOR RD, LANGLEY, WA 98260-9697
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Nov 18, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage POINT DIGITAL FINANCE INC
May 5, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
May 5, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Jun 10, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 5, 2026 · Amount on Record
Deed Sale	May 5, 2026 · Amount on Record
Prior Sale	Jun 10, 2019 · Amount on Record
Deed Document Number	20264600227
Prior Transfer Date	May 1, 2026
Prior Transfer Doc	0004600228
Record Updated	Sep 20, 2026

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	3257 E HARBOR RD, LANGLEY, WA 98260-9697
Transaction Type	Mortgage
Record Updated	May 21, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004593508
Date	Nov 18, 2025
Instrument	4593508

Lender

Name	POINT DIGITAL FINANCE INC
Type	Mortgage Company
Address	PALO ALTO, CA 94302

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 8, 2055

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 5, 2026
Property Address	3257 E HARBOR RD, LANGLEY, WA 98260-9697
Document Number	0004600227
Instrument Date	May 4, 2026
Instrument	2026.4600227
Transaction Type	Transfer
Record Updated	May 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Tax	$711,545.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	3257 E HARBOR RD, LANGLEY, WA 98260-9697

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	May 5, 2026
Property Address	3257 E HARBOR RD, LANGLEY, WA 98260-9697
Document Number	0004600228
Instrument Date	May 1, 2026
Instrument	20264600228
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	19015 SE 269TH ST, COVINGTON, WA 98042-8467

Mortgage

Document Number	0004600229,
Date	May 5, 2026
Instrument	20264600229

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 10, 2019
Property Address	3257 E HARBOR RD, LANGLEY, WA 98260-9697
Document Number	0004465173
Map Reference	VOL 7 PG 50
Instrument Date	Jun 4, 2019
Instrument	4465173
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	PRESMIER TTL OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,256.00
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	3257 E HARBOR RD, LANGLEY, WA 98260-9697

Mortgage

Document Number	0004465174
Date	Jun 10, 2019
Instrument	4465174

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

Mortgage

Document Number	0004465175
Date	Jun 10, 2019
Instrument	4465175

Lender

Name	WASHINGTON STATE HOUSING FIN COMMISSION
Type	Government Agency

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2049

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	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,351.00 (+23.88%)	$442,311 (-9.35%) Land $240,000 Building $202,311	$442,311 (-9.35%) Land $240,000 Building $202,311
2023	$2,705.00	$487,910 (+21.73%) Land $280,000 Building $207,910	$487,910 (+21.73%) Land $280,000 Building $207,910
2022		$400,801 Land $210,000 Building $190,801	$400,801 Land $210,000 Building $190,801

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 X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	9 (1996–2023)
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 2 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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SARATOGA BEACH OWNERS ASSN private · serves 425 people · EPA ID WA5376240
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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 59 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Whidbey Telephone Fiber	1,000 / 1,000

May also be available: Astound Broadband.

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