4410 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 4410 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 5 ba · 5,250 sqft · built 2007
Lot Size	22.5 acres (980,100 sqft)
Owner	2 Individual Names on Record
Last Sale	$86,011 (Feb 2017)
Tax Bill	$23,327 (2026)
Deeds & Mortgages	Oct 2018 Line of Credit Feb 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R23035-517-4450`

Property Details

APN / Parcel Number

Primary APN	`R23035-517-4450`
Alternative APN	`70425`

Interior

Bedrooms	3 Beds
Full Baths	5 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	5,250 sqft Living Area
Gross Area	5,490 sqft
1st Floor Area	3,826 sqft
Upper Floors Area	722 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Shingle
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	980,100 sqft (22.5 acres)
Lot Dimensions	100 ft deep x 330 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	2,640 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Enclosed Porch
Porch Area	240 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Radiant

Location & Zoning

Street Address	4410 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9527
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	1 - N/2 N/2 GL1 INCL ADJ TIDES
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2020
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	2 Individual Names on Record
Mailing Address	3326 160TH AVE SE, BELLEVUE, WA 98008-6418
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 9, 2018	Deed of Trust, Mortgage · Line of Credit JPMORGAN CHASE BANK NA
Feb 10, 2020	Deed of Trust, Mortgage JP MORGAN CHASE BK
Feb 28, 2017	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Jan 22, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 28, 2017 · Amount on Record
Deed Sale	Feb 28, 2017 · Amount on Record
Prior Sale	Dec 10, 2004 · Amount on Record
Deed Document Number	20174417847
Record Updated	Oct 29, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	FREELAND, WA 98249
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004453135
Date	Oct 9, 2018
Instrument	4453135

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2048

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	FREELAND, WA 98249
Document Number	0004481265
Instrument Date	Feb 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 28, 2020
Title Company	OLD REPUBLIC TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4410 E HARBOR RD FREELAND WA 982499527, FREELAND, WA 98249-9527

Mortgage

Document Number	0004481265
Date	Feb 14, 2020
Instrument	4481265

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	601 OAKMONT LN # 300, WESTMONT, IL 60559-5532

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 13, 2050

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Feb 28, 2017
Property Address	FREELAND, WA 98249
Document Number	0004417847
Instrument Date	Feb 16, 2017
Instrument	4417847
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Tax	$1,536.00
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	3326 160TH AVE SE STE 120, 120, BELLEVUE, WA 98008-6418

Mortgage

Document Number	0004417848
Date	Feb 28, 2017
Instrument	4417848

Lender

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

Agreement

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

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 22, 2021
Property Address	FREELAND, WA 98249
Document Number	0004508790
Instrument Date	Feb 16, 2017
Instrument	4508790
Transaction Type	Transfer
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$51,536.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3326 160TH AVE SE #120 BELLEVUE WA 980086418, 120, BELLEVUE, WA 98008-6418

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	$23,327.00 (+34.02%)
2025		$2,969,266 (+7.93%) Land $1,103,300 Building $1,865,966	$2,969,266 (+7.93%) Land $1,103,300 Building $1,865,966
2023	$17,406.00	$2,750,993 (+5.36%) Land $1,103,300 Building $1,647,693	$2,750,993 (+5.36%) Land $1,103,300 Building $1,647,693
2022		$2,610,938 Land $1,103,300 Building $1,507,638	$2,610,938 Land $1,103,300 Building $1,507,638

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	9 (1996–2023)
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 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

May also be available: Astound Broadband.

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