340 SE Ely St, Oak Harbor, WA 98277 Property Records

Island County property record for 340 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,580 sqft · built 1945
Lot Size	0.97 acres (42,253 sqft)
Owner	2 Individual Names on File
Last Sale	$240,000 (Jun 2017)
Tax Bill	$4,591 (2026)
Deeds & Mortgages	Dec 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S7600-00-02001-4`

Property Details

APN / Parcel Number

Primary APN	`S7600-00-02001-4`
Alternative APN	`334622`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,580 sqft Living Area
Gross Area	2,704 sqft
1st Floor Area	1,124 sqft
Attic	Attic
Attic Area	456 sqft
Basement Area	1,124 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1975
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Aluminum
Lot Area	42,253 sqft (0.97 acres)
Garage Type	Detached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	340 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-3749
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	OLYMPIC GDNS SL4-W240OF LOT 1 BLK 2 EX S95 & EX N13.2
Legal Subdivision	OLYMPIC GDNS
Legal Block	2
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1004
Census Tract	970700

Owner

340 SE Ely St is owned and occupied by two individuals who bought it in June 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	340 SE ELY ST, OAK HARBOR, WA 98277-3749
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
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 12, 2017	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2017 · Amount on File
Deed Sale	Jun 12, 2017 · Amount on File
Deed Document Number	20174424129
Prior Transfer Date	Oct 5, 2016
Prior Transfer Doc	0004408825
Record Updated	Oct 29, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	340 SE ELY ST, OAK HARBOR, WA 98277-3749
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004505326
Date	Dec 16, 2020
Instrument	4505326

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2051

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 12, 2017
Property Address	340 SE ELY ST, OAK HARBOR, WA 98277-3749
Document Number	0004424129
Map Reference	VOL3 PG18
Instrument Date	Jun 8, 2017
Instrument	4424129
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND TITLE & ESCROW OF ISLAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,277.00
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	340 SE ELY ST, OAK HARBOR, WA 98277-3749

Mortgage

Document Number	0004424130
Date	Jun 12, 2017
Instrument	4424130

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 340 SE Ely St was $4,591.

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Oak Harbor City
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,591.00
2025		$502,274 Land $190,000 Building $312,274	$502,274 Land $190,000 Building $312,274
2023	$3,848.00	$451,640 (+5.22%) Land $180,000 Building $271,640	$451,640 (+5.22%) Land $180,000 Building $271,640
2022		$429,253 Land $180,000 Building $249,253	$429,253 Land $180,000 Building $249,253

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

Flood

FEMA maps place 340 SE Ely St 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	1 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 340 SE Ely St 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	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 244 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

May also be available: Astound Broadband, Ziply Fiber.

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