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

Island County property record for 438 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,268 sqft · built 2005
Owner	Individual Name on Record
Last Sale	$400,000 (Jun 2022)
Tax Bill	$3,560 (2023)
Deeds & Mortgages	Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`S6368-06-00096-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-06-00096-0`
Alternative APN	`805551`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,268 sqft Living Area
Gross Area	1,779 sqft
1st Floor Area	1,268 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Asphalt
Garage Type	Attached
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	286 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	805551
Street Address	438 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 96
Legal Subdivision	CHERRY HILL 6
Legal Lot Number	96
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 29, 2025

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
Co-owner	Co-owner on Record
Mailing Address	438 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 2, 2022 · Amount on Record
Deed Sale	Jun 2, 2022 · Amount on Record
Prior Sale	Oct 4, 2004 · Amount on Record
Deed Document Number	4546032
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 2, 2022
Property Address	438 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Document Number	0004546032
Map Reference	VOL 13 PG 262&263
Instrument Date	May 26, 2022
Instrument	4546032
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Amount	Amount Recorded
Tax	$6,405.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	438 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$398,786 (-) Land $140,000 Building $258,786	$398,786 (-) Land $140,000 Building $258,786
2023	$3,560.00	$398,786 (+0.43%) Land $140,000 Building $258,786	$398,786 (+0.43%) Land $140,000 Building $258,786
2022		$397,077 Land $160,000 Building $237,077	$397,077 Land $160,000 Building $237,077

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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