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

Island County property record for 35 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Bank, Financial Building
Details	4,488 sqft · built 1948
Lot Size	0.69 acres (30,056 sqft)
Owner	Company Name on Record
Last Sale	$771,910 (Aug 2026)
Tax Bill	$10,579 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jan 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S7600-00-01006-2`

Property Details

APN / Parcel Number

Primary APN	`S7600-00-01006-2`
Alternative APN	`334490`

Interior

Total Rooms	1 Room
Stories	2 Stories
Building Area	4,488 sqft Gross Area
1st Floor Area	2,643 sqft
Upper Floors Area	1,844 sqft
Flooring	Carpet

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1996
Architectural Style	Multi-Family
Exterior Material	Stucco/Tile/Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Wood
Lot Area	30,056 sqft (0.69 acres)
Porch	Slab
Porch Area	1,364 sqft
Storage Building	45 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	35 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-3747
Property Category	Commercial
Property Type	Commercial > Office > Bank, Financial Building
Local Zoning Code	OH
Legal Description	OLYMPIC GDNS N200LOT 6 BLK 1 ELY OF HWY EX N10 EX PT TO ST HWY TGW & SUB EZ ST WASH AF#88013387
Legal Subdivision	OLYMPIC GDNS
Legal Block	1
Legal Lot Number	6
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1005
Census Tract	970700

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1685 MAIN ST, 11, FREELAND, WA 98249-2004
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BANK
Jan 27, 2026	Deed of Trust, Mortgage · Commercial Mortgage HARBORSTONE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 28, 2026 · Amount on Record
Deed Sale	Aug 28, 2026 · Amount on Record
Deed Document Number	20264605013
Prior Transfer Date	Mar 2, 2016
Prior Transfer Doc	0004395887
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 28, 2026
Property Address	35 SE ELY ST, OAK HARBOR, WA 98277-3747
Document Number	0004605013
Instrument Date	Jul 17, 2026
Instrument	20264605013
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,388,245.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership

Mortgage

Document Number	0004605014,
Date	Aug 28, 2026
Instrument	20264605014

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Max Rate	-1%

Mortgage

Document Number	0004605015,
Date	Aug 28, 2026
Instrument	20264605015

Lender

Name	HERITAGE BANK

Agreement

Amount	Amount Recorded

Interest

Max Rate	-1%

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	35 SE ELY ST, OAK HARBOR, WA 98277-3747
Transaction Type	Mortgage
Record Updated	Feb 4, 2026
Title Company	UNKNOWN, HTG

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004596126
Date	Jan 27, 2026
Instrument	4596126

Lender

Name	HARBORSTONE CREDIT UNION
Type	Credit Union
Address	ANACORTES, WA 98221

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$10,579.00 (+6.31%)
2025	$9,951.00 (+8.09%)	$1,158,039 (+2.81%) Land $601,128 Building $556,911	$1,158,039 (+2.81%) Land $601,128 Building $556,911
2023	$9,206.00	$1,126,354 (+9.61%) Land $601,128 Building $525,226	$1,126,354 (+9.61%) Land $601,128 Building $525,226
2022		$1,027,623 Land $601,128 Building $426,495	$1,027,623 Land $601,128 Building $426,495

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
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

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 308 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, Orcas Online, Ziply Fiber.

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