446 SE Ely St, Oak Harbor, WA 98277 Property Records

Island County property record for 446 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 946 sqft · built 1954
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$392,000 (Jun 2023)
Tax Bill	$3,159 (2026)
Deeds & Mortgages	Jun 2023 Sale & Mortgage May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S6150-00-00002-0`

Property Details

APN / Parcel Number

Primary APN	`S6150-00-00002-0`
Alternative APN	`196852`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	946 sqft Living Area
Gross Area	1,056 sqft
1st Floor Area	946 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1954
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Garage Type	Attached
Garage Area	110 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	15 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	446 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-3750
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	BOWERS ADD LOT 2
Legal Subdivision	BOWERS ADD
Legal Lot Number	2
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1007
Census Tract	970700

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	Individual Name on Record
Mailing Address	446 SE ELY ST, OAK HARBOR, WA 98277-3750
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jun 9, 2023	Warranty Deed, Transfer · VA Mortgage GLOBAL CREDIT UNION HOME LOANS LLC
May 24, 2021	Deed of Trust, Mortgage · Commercial Mortgage BANK OF THE WEST
Jan 7, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 5, 2021	Bargain and Sale Deed, Transfer CTC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2023 · Amount on Record
Deed Sale	Jun 9, 2023 · Amount on Record
Prior Sale	Jan 7, 2022 · Amount on Record
Deed Document Number	20234560865
Prior Transfer Date	Dec 13, 2012
Prior Transfer Doc	0004329521
Record Updated	Oct 29, 2026

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 9, 2023
Property Address	446 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004560865
Map Reference	VOL 5 PG 13
Instrument Date	Jun 7, 2023
Instrument	4560865
Transaction Type	Transfer
Record Updated	Jun 27, 2023
Title Company	PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,277.00
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	446 SE ELY ST, OAK HARBOR, WA 98277-3750

Mortgage

Document Number	0004560866
Date	Jun 9, 2023
Instrument	4560866

Lender

Name	GLOBAL CREDIT UNION HOME LOANS LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	446 SE ELY ST, OAK HARBOR, WA 98277-3750
Transaction Type	Mortgage
Record Updated	Jan 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004520031
Date	May 24, 2021
Instrument	4520031

Lender

Name	BANK OF THE WEST
Type	Bank
Address	LOS ANGELES, CA 90071

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 7, 2022
Property Address	446 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004537465
Map Reference	VOL 5 PG 13
Instrument Date	Jan 4, 2022
Instrument	4537465
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	PREMIER TITLE COMPANY, PREMIER TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,085.00
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	446 SE ELY ST, OAK HARBOR, WA 98277-3750

Mortgage

Document Number	0004537466
Date	Jan 7, 2022
Instrument	4537466

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

April 2021: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 5, 2021
Property Address	446 SE ELY ST, OAK HARBOR, WA 98277-3750
Document Number	0004515580
Map Reference	VOL 5 PG 13
Instrument Date	Mar 31, 2021
Instrument	4515580
Transaction Type	Transfer
Record Updated	Jan 10, 2023
Title Company	CTC

Transaction

Amount	Amount Recorded
Tax	$3,257.03
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	2015 MANHATTAN BEACH BLVD STE 100, 100, REDONDO BEACH, CA 90278-1230
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Island County assessment roll, as of October 20, 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
2026	$3,159.00 (+10.3%)
2025	$2,864.00 (+3.02%)	$345,468 (+3.57%) Land $180,000 Building $165,468	$345,468 (+3.57%) Land $180,000 Building $165,468
2023	$2,780.00	$333,575 (+7.63%) Land $170,000 Building $163,575	$333,575 (+7.63%) Land $170,000 Building $163,575
2022		$309,940 Land $160,000 Building $149,940	$309,940 Land $160,000 Building $149,940

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
Nearby Flood Policies	1 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	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.

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 244 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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