4357 Northgate Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 4357 Northgate Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,122 sqft · built 1957
Lot Size	0.169 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$261,000 (Feb 2020)
Tax Bill	$2,477 (2023)
Deeds & Mortgages	Feb 2020 Sale & Mortgage Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R13311-455-1770`

Property Details

APN / Parcel Number

Primary APN	`R13311-455-1770`
Alternative APN	`33920`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,122 sqft Living Area
1st Floor Area	1,122 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1957
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Rolled Roofing
Lot Area	7,405 sqft (0.169 acres)
Porch	Open Porch
Porch Area	425 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	33920
Street Address	4357 NORTHGATE DR
City	OAK HARBOR
State	WA
Zip	98277-9581
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	47 - IN NE NWBG INTER ELN W2 NE NW & NE LN ST HWY 1- D N24W624.29 TPB N24W60 NELY 125 S24E60 SWLY 125 TPB
Legal Range	01
Legal Township	33
Legal Section	11
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1017
Census Tract	970100

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	4357 NORTHGATE DR, OAK HARBOR, WA 98277-9581
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 5, 2020	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS
Aug 28, 2017	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2020 · Amount on Record
Deed Sale	Feb 5, 2020 · Amount on Record
Prior Sale	Aug 28, 2017 · Amount on Record
Deed Document Number	4480762
Record Updated	Jun 8, 2026

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Feb 5, 2020
Property Address	4357 NORTHGATE DR, OAK HARBOR, WA 98277-9581
Document Number	0004480762
Instrument Date	Feb 4, 2020
Instrument	4480762
Transaction Type	Transfer
Record Updated	Mar 10, 2020
Title Company	LAND TITLE AND ESCROW/ISLAND COMPANY, LAND TITLE & ESCROW/ISLAND CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,181.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4357 NORTHGATE DR OAK HARBOR WA 982779581, OAK HARBOR, WA 98277-9581

Mortgage

Document Number	4480763
Date	Feb 5, 2020
Instrument	4480763

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 4, 2050

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 28, 2017
Property Address	4357 NORTHGATE DR, OAK HARBOR, WA 98277-9581
Document Number	0004429022
Instrument Date	Aug 21, 2017
Instrument	4429022
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,746.56
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	4357 NORTHGATE DR, OAK HARBOR, WA 98277-9581
Investor	Possibly a Property Investor

Mortgage

Document Number	0004429023
Date	Aug 28, 2017
Instrument	4429023

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

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

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		$355,039 (-0.77%) Land $180,000 Building $175,039	$355,039 (-0.77%) Land $180,000 Building $175,039
2023	$2,477.00	$357,805 (+7.74%) Land $170,000 Building $187,805	$357,805 (+7.74%) Land $170,000 Building $187,805
2022		$332,098 Land $160,000 Building $172,098	$332,098 Land $160,000 Building $172,098

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 18 policies
Nearby Flood Policies	18 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	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect 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	NORTHGATE TERRACE COMMUNITY CLUB private · serves 750 people · EPA ID WA5361750
Water Source	Groundwater
Last State Inspection	May 2022
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 191 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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