460 E Sleeper Rd, Oak Harbor, WA 98277 Property Records

Island County property record for 460 E Sleeper Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,976 sqft · built 1989
Lot Size	5.8 acres (252,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$607,500 (Mar 2017)
Tax Bill	$6,063 (2023)
Deeds & Mortgages	Sep 2023 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R23329-048-0700`

Property Details

APN / Parcel Number

Primary APN	`R23329-048-0700`
Alternative APN	`739106`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,976 sqft Living Area
Gross Area	5,360 sqft
1st Floor Area	1,792 sqft
2nd Floor Area	1,408 sqft
Upper Floors Area	1,408 sqft
Attic Area	816 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	252,648 sqft (5.8 acres)
Garage Type	Mixed
Garage Area	1,104 sqft
Parking Spaces	4 Parking Spaces
Porch	Enclosed Porch
Porch Area	1,112 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Gas

Location & Zoning

Account Number	739106
Street Address	460 E SLEEPER RD
City	OAK HARBOR
State	WA
Zip	98277
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	LOTS 38-A & 38-B SPR 79-04.23329-054-0710 V1 SP P31 AF#371946
Legal Range	02
Legal Township	33
Legal Section	29
Legal Subdivision	ISLAND COUNTY SHORT R79
Legal Lot Number	38
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	4
Census Block	4014
Census Tract	970300

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	2 Individual Names on Record
Mailing Address	460 SILVER LAKE RD, OAK HARBOR, WA 98277-7814
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 28, 2023	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 8, 2020	Deed of Trust, Mortgage · VA Mortgage NAVY FCU
Mar 3, 2017	Warranty Deed, Transfer · VA Mortgage KS STATEBANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 3, 2017 · Amount on Record
Deed Sale	Mar 3, 2017 · Amount on Record
Prior Sale	Dec 16, 2005 · Amount on Record
Deed Document Number	4418114
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	460 E SLEEPER RD, OAK HARBOR, WA 98277
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 SILVER LAKE RD, OAK HARBOR, WA 98277-7814

Mortgage

Document Number	0004565141
Date	Sep 28, 2023
Instrument	4565141

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	481 Months
Due	Oct 1, 2063

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	460 E SLEEPER RD, OAK HARBOR, WA 98277
Document Number	0004488628
Instrument Date	Jun 8, 2020
Transaction Type	Mortgage
Record Updated	Jul 28, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	460 SILVER LAKE RD OAK HARBOR WA 982777814, OAK HARBOR, WA 98277-7814

Mortgage

Document Number	0004488628
Date	Jun 12, 2020
Instrument	4488628

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 11, 2050

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 3, 2017
Property Address	460 E SLEEPER RD, OAK HARBOR, WA 98277
Document Number	0004418114
Instrument Date	Mar 3, 2017
Instrument	4418114
Transaction Type	Transfer
Record Updated	Mar 10, 2017
Title Company	STEWART TITLE, STEWART TITLE GUARANTY COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,818.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	460 SILVER LAKE RD OAK HARBOR WA 982777814, OAK HARBOR, WA 98277-7814

Mortgage

Document Number	4418115
Date	Mar 3, 2017
Instrument	4418115

Lender

Name	KS STATEBANK
Address	MANHATTAN, KS 66502

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 2, 2047

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$927,134 (+0.82%) Land $340,000 Building $587,134	$927,134 (+0.82%) Land $340,000 Building $587,134
2023	$6,063.00	$919,580 (+12.4%) Land $320,000 Building $599,580	$919,580 (+12.4%) Land $320,000 Building $599,580
2022		$818,126 Land $300,000 Building $518,126	$818,126 Land $300,000 Building $518,126

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 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	6 (2006–2022)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2022 · tidal / storm surge

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BAYVIEW ESTATES WATER COMPANY private · serves 227 people · EPA ID WA5304956
Water Source	Groundwater
Last State Inspection	Mar 2024
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	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 43 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Starlink Satellite	280 / 30

May also be available: Astound Broadband, Ziply Fiber.

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