40 Torrence Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 40 Torrence Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,336 sqft · built 1985
Lot Size	2.04 acres (88,862 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,679 (2023)
Deeds & Mortgages	Sep 2019 Loan Modification Jun 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8420-00-00003-0`

Property Details

APN / Parcel Number

Primary APN	`S8420-00-00003-0`
Alternative APN	`428754`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,336 sqft Living Area
Gross Area	2,309 sqft
1st Floor Area	2,309 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Aluminum
Lot Area	88,862 sqft (2.04 acres)
Porch	Open Porch
Porch Area	391 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating Fuel	Electric

Location & Zoning

Account Number	428754
Street Address	40 TORRENCE LN
City	OAK HARBOR
State	WA
Zip	98277-9114
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	20
Legal Description	WHID PK LOT 3
Legal Subdivision	WHID PARK
Legal Lot Number	3
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 29, 2025

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	40 TORRENCE LN, OAK HARBOR, WA 98277-9114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2019	Loan Modification, Mortgage · Conventional Mortgage DITECH FIN'L
Jun 18, 2019	Loan Modification, Mortgage · FHA Mortgage BANK OF AMERICA
Nov 21, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Nov 21, 2018
Transfer Doc	0004455390
Record Updated	Jun 8, 2026

September 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ISLAND WA
Property Address	40 TORRENCE LN, OAK HARBOR, WA 98277-9114
Document Number	0004472699
Instrument Date	Sep 13, 2019
Transaction Type	Mortgage
Record Updated	Oct 14, 2019
Title Company	SINGLESOURCE PROPERTY SOLUTION, SINGLESOURCE PROP SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 TORRENCE LN OAK HARBOR WA 982779114, OAK HARBOR, WA 98277-9114

Mortgage

Document Number	0004472699
Date	Oct 3, 2019
Instrument	4472699

Lender

Name	DITECH FIN'L

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 2, 2049

Interest

Rate	12.1%

June 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ISLAND WA
Property Address	40 TORRENCE LN, OAK HARBOR, WA 98277-9114
Document Number	0004466104
Instrument Date	Jun 18, 2019
Transaction Type	Mortgage
Record Updated	Jul 3, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 TORRENCE LN OAK HARBOR WA 982779114, OAK HARBOR, WA 98277-9114

Mortgage

Document Number	0004466104
Date	Jun 25, 2019
Instrument	4466104

Lender

Name	BANK OF AMERICA
Type	Bank
Address	DENVER, CO 80249

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 24, 2049

Interest

Rate	3%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Nov 21, 2018
Property Address	40 TORRENCE LN, OAK HARBOR, WA 98277-9114
Document Number	0004455390
Instrument Date	Nov 21, 2018
Instrument	4455390
Transaction Type	Transfer
Record Updated	Dec 3, 2018

Transaction

Amount	Amount Recorded
Tax	$10.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	40 TORRENCE LN OAK HARBOR WA 982779114, OAK HARBOR, WA 98277-9114

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$424,395 (+13.83%) Land $250,000 Building $174,395	$424,395 (+13.83%) Land $250,000 Building $174,395
2023	$2,679.00	$372,816 (+4.62%) Land $210,000 Building $162,816	$372,816 (+4.62%) Land $210,000 Building $162,816
2022		$356,352 Land $210,000 Building $146,352	$356,352 Land $210,000 Building $146,352

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Fixed Wireless	1,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Torrence Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures