4107 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 4107 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,156 sqft · built 2007
Lot Size	1.41 acres (61,420 sqft)
Owner	Individual Name on Record
Last Sale	$12,500 (Jul 2004)
Tax Bill	$6,006 (2026)
Deeds & Mortgages	Jan 2026 Transfer Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7170-00-00012-0`

Property Details

APN / Parcel Number

Primary APN	`S7170-00-00012-0`
Alternative APN	`280939`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,156 sqft Living Area
Gross Area	2,576 sqft
1st Floor Area	2,156 sqft
Basement Area	420 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	61,420 sqft (1.41 acres)
Garage Type	Detached
Garage Area	242 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	908 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	4107 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9517
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	HOL HBR HTS LOTS 12 & 13
Legal Subdivision	HOL HBR HTS
Legal Lot Number	12,13
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3013
Census Tract	971900

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	PO BOX 641, FREELAND, WA 98249-0641
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2026	Transfer on Death Deed, Transfer
Mar 15, 2017	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Apr 22, 2019	Deed of Trust, Mortgage · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 12, 2004 · Amount on Record
Deed Sale	Jul 12, 2004 · Amount on Record
Deed Document Number	20044106366
Last Transfer Date	Jan 15, 2026
Transfer Doc	0004595940
Record Updated	Oct 29, 2026

January 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 22, 2026
Property Address	4107 E HARBOR RD, FREELAND, WA 98249-9517
Document Number	0004595940
Map Reference	VOL 7 PG 4
Instrument Date	Jan 15, 2026
Instrument	4595940
Transaction Type	Transfer
Record Updated	Jan 29, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	4107 EAST RD, FREELAND, WA 98249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004418745
Date	Mar 15, 2017
Instrument	4418745

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2047

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	4107 EAST RD, FREELAND, WA 98249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004462457
Date	Apr 22, 2019
Instrument	4462457

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company
Address	HORSHAM, PA 19044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 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
2026	$6,006.00 (+29.38%)
2025		$758,138 (+2.57%) Land $290,000 Building $468,138	$758,138 (+2.57%) Land $290,000 Building $468,138
2023	$4,642.00	$739,122 (+7.3%) Land $260,000 Building $479,122	$739,122 (+7.3%) Land $260,000 Building $479,122
2022		$688,834 Land $250,000 Building $438,834	$688,834 Land $250,000 Building $438,834

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	8 (1999–2022)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Dec 2022 · river or lake flooding
Claims by Event	Severe Storms, Flooding, Tidal Surge, Landslides, And Mudslides, Feb 2006 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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

Cell Coverage

5G and 4G LTE (outdoors only)

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