Island County property record for 441 NW 12th Loop, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,134 sqft · built 2006 |
| Lot Size | 0.05 acres (2,178 sqft) |
| Owner | Individual Name on File |
| Last Sale | $178,000 (May 2016) |
| Tax Bill | $3,492 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S6368-06-00091-0 |
| Primary APN | S6368-06-00091-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Half Baths | 1 Half Bath |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,134 sqft Living Area |
| Gross Area | 1,531 sqft |
| 1st Floor Area | 1,134 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Concrete |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 2,178 sqft (0.05 acres) |
| Garage Type | Attached |
| Garage Area | 397 sqft |
| Parking Spaces | 1 Parking Space |
| Porch | Open Porch |
| Porch Area | 199 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 441 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 91 |
| Legal Subdivision | CHERRY HILL #6 |
| Legal Lot Number | 91 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2010 |
| Census Tract | 970402 |
441 NW 12th Loop is owned and occupied by an individual who bought it in May 2016.
Source: Island County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 441 NW 12TH LOOP, OAK HARBOR, WA 98277-3820 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 19, 2016 · Amount on File |
| Deed Sale | May 19, 2016 · Amount on File |
| Prior Sale | Mar 28, 2008 · Amount on File |
| Deed Document Number | 20164399479 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 441 NW 12TH LOOP, OAK HARBOR, WA 98277-3820 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004505582 |
|---|---|
| Date | Dec 18, 2020 |
| Instrument | 4505582 |
| Name | BANK OF THE PACIFIC |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98225 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2051 |
The 2026 property tax bill for 441 NW 12th Loop was $3,492.
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Municipality | Oak Harbor City |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,492.00 | ||
| 2025 | $381,897 Land $140,000 Building $241,897 | $381,897 Land $140,000 Building $241,897 | |
| 2023 | $3,399.00 | $379,125 (+0.02%) Land $140,000 Building $239,125 | $379,125 (+0.02%) Land $140,000 Building $239,125 |
| 2022 | $379,035 Land $160,000 Building $219,035 | $379,035 Land $160,000 Building $219,035 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 441 NW 12th Loop in Zone X, an area of minimal flood risk.
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.
The area around 441 NW 12th Loop has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 429 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Astound Broadband, Ziply Fiber.
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