Island County property record for 4388 E Harbor Rd, Freeland, WA 98249
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 3 ba · 3,471 sqft · built 2024 |
| Lot Size | 17.4 acres (758,815 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $1,500,000 (Oct 2021) |
| Tax Bill | $12,372 (2026) |
| Deeds & Mortgages | Oct 2021 Sale Oct 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R23026-025-4420 |
| Primary APN | R23026-025-4420 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 14 Plumbing Fixtures |
| Building Area | 3,471 sqft Living Area |
| Gross Area | 3,963 sqft |
| 1st Floor Area | 1,799 sqft |
| Elevator | Elevator |
| Year Built | Built 2025 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Aluminum |
| Lot Area | 758,815 sqft (17.4 acres) |
| Lot Width | 446 ft Width |
| View / Lot | Waterfront |
| Garage Type | Attached |
| Garage Area | 492 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Open Porch |
| Storage Building | 329 sqft |
| Cooling System | Refrigeration |
|---|
| Street Address | 4388 E HARBOR RD |
|---|---|
| City | FREELAND |
| State | WA |
| Zip | 98249 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | S 45AC OF FOLL DESC GL4 & SE SE EX E HARBOR RD TGW RUSE TIDES ADJ TO S548 OF N772 OF GL4 EX N650.42 MEAS ALG ELN GL4 FR 056-4390 |
| Legal Range | 2E |
| Legal Township | 30N |
| Legal Section | 26 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | SOUTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2020 |
| Census Tract | 971900 |
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 | 2 Company Names on Record |
|---|---|
| Mailing Address | 4747 TERRA BELLA VIS, SANTA ROSA, CA 95404-7753 |
| Owner Type | Company |
| Vesting | Trust |
| Date | Document |
|---|---|
| Oct 13, 2021 | Warranty Deed, Transfer CHICAGO TITLE COMPANY OF WA |
| Oct 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage US BANK NA |
| Aug 31, 2020 | Warranty Deed, Transfer · ARM US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 13, 2021 · Amount on Record |
| Deed Sale | Oct 13, 2021 · Amount on Record |
| Prior Sale | Aug 31, 2020 · Amount on Record |
| Deed Document Number | 20214531284 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Oct 13, 2021 |
| Property Address | 4420 E HARBOR RD, FREELAND, WA 98249-9527 |
| Document Number | 0004531284 |
| Instrument Date | Oct 5, 2021 |
| Instrument | 4531284 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Title Company | CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Tax | $25,805.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4747 TERRA BELLA VIS, SANTA ROSA, CA 95404-7753 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 4420 E HARBOR RD, FREELAND, WA 98249-9527 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0004500733 |
|---|---|
| Date | Oct 29, 2020 |
| Instrument | 4500733 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2023 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Aug 31, 2020 |
| Property Address | 4420 E HARBOR RD, FREELAND, WA 98249-9527 |
| Document Number | 0004495349 |
| Instrument Date | Aug 25, 2020 |
| Instrument | 4495349 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | LAND T&E OF ISLAND CNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $14,235.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3714 FISHERMANS AUBI LANE, GREENBANK, WA 98253 |
| Document Number | 0004495350 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | 4495350 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.25% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Sep 1, 2050 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 7.25% |
| Index | 1-Year CMT |
| Max Rate | 11.2% |
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | South Whidbey School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $12,372.00 (+100.88%) | ||
| 2025 | $1,570,693 (+49.59%) Land $1,275,000 Building $295,693 | $1,570,693 (+49.59%) Land $1,275,000 Building $295,693 | |
| 2023 | $6,159.00 | $1,050,000 (-) Land $1,050,000 | $1,050,000 (-) Land $1,050,000 |
| 2022 | $1,050,000 Land $1,050,000 | $1,050,000 Land $1,050,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 9 (1996–2023) |
| Most Recent Claim | Feb 2023 · other causes |
| Claims by Event |
|
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.
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.
Source: FCC Broadband Data Collection, based on 37 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 |
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