402 NW 12th Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 402 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,375 sqft · built 2005
Lot Size	0.056 acres (2,457 sqft)
Owner	Individual Name on Record
Last Sale	$425,000 (May 2026)
Tax Bill	$3,734 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S6368-06-00094-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-06-00094-0`
Alternative APN	`805549`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,375 sqft Living Area
Gross Area	1,910 sqft
1st Floor Area	1,375 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,457 sqft (0.056 acres)
Garage Type	Attached
Garage Area	535 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	254 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	402 NW 12TH LOOP
City	OAK HARBOR
State	WA
Zip	98277-3820
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	CHERRY HILL #6 LOT 94
Legal Subdivision	CHERRY HILL #6
Legal Lot Number	94
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2007
Census Tract	970402

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	Individual Name on Record
Mailing Address	1552 NE NARROWS AVE, OAK HARBOR, WA 98277-4841
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2026 · Amount on Record
Deed Sale	May 29, 2026 · Amount on Record
Prior Sale	Jan 16, 2014 · Amount on Record
Deed Document Number	20264601225
Prior Transfer Date	May 20, 2015
Prior Transfer Doc	0004378711
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 29, 2026
Property Address	402 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Document Number	0004601225
Instrument Date	May 28, 2026
Instrument	20264601225
Transaction Type	Transfer
Record Updated	Jun 10, 2026
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$687,305.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1552 NE NARROWS AVE, OAK HARBOR, WA 98277-4841

Mortgage

Document Number	0004601225,
Date	May 29, 2026
Instrument	20264601225

Lender

Name	CMG MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

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	$3,734.00 (+6.93%)
2025	$3,492.00 (-4.04%)	$408,392 (-) Land $140,000 Building $268,392	$408,392 (-) Land $140,000 Building $268,392
2023	$3,639.00	$408,392 (+0.62%) Land $140,000 Building $268,392	$408,392 (+0.62%) Land $140,000 Building $268,392
2022		$405,878 Land $160,000 Building $245,878	$405,878 Land $160,000 Building $245,878

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 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

Nearby Properties on NW 12th Loop

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