478 NW 12th Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 478 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,542 sqft · built 2004
Lot Size	0.058 acres (2,541 sqft)
Owner	2 Company Names on Record
Last Sale	$429,000 (Jul 2023)
Tax Bill	$3,854 (2026)
Deeds & Mortgages	Sep 2024 Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6368-06-00098-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-06-00098-0`
Alternative APN	`805553`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,542 sqft Living Area
Gross Area	2,011 sqft
1st Floor Area	1,542 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,541 sqft (0.058 acres)
Garage Type	Attached
Garage Area	469 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	250 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	478 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 98
Legal Subdivision	CHERRY HILL #6
Legal Lot Number	98
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2007
Census Tract	970402

Owner

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	2 Company Names on Record
Mailing Address	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Sep 25, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage US BANK NA
Jul 5, 2023	Warranty Deed, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA
Oct 30, 2020	Warranty Deed, Transfer PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE/ISLAND CNTY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 5, 2023 · Amount on Record
Deed Sale	Jul 5, 2023 · Amount on Record
Prior Sale	Oct 30, 2020 · Amount on Record
Deed Document Number	20234561828
Last Transfer Date	Sep 20, 2024
Transfer Doc	0004577444
Record Updated	Oct 29, 2026

September 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Sep 25, 2024
Property Address	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Document Number	0004577444
Map Reference	VOL 13 PG 262&263
Instrument Date	Sep 20, 2024
Instrument	4577444
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820

Mortgage

Document Number	0004577445
Date	Sep 25, 2024
Instrument	4577445

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2054

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 5, 2023
Property Address	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Document Number	0004561828
Map Reference	VOL 13 PG 262-263
Instrument Date	Jul 3, 2023
Instrument	4561828
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Tax	$6,869.00
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	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 30, 2020
Property Address	478 NW 12TH LOOP, OAK HARBOR, WA 98277-3820
Document Number	0004501012
Instrument Date	Oct 27, 2020
Instrument	4501012
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE/ISLAND CNTY

Transaction

Amount	Amount Recorded
Tax	$5,445.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	478 NW 12TH LOOP OAK HARBOR WA 982773820, OAK HARBOR, WA 98277-3820

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	$3,854.00 (+6.94%)
2025	$3,604.00 (-3.82%)	$421,562 (-) Land $140,000 Building $281,562	$421,562 (-) Land $140,000 Building $281,562
2023	$3,747.00	$421,562 (+0.86%) Land $140,000 Building $281,562	$421,562 (+0.86%) Land $140,000 Building $281,562
2022		$417,952 Land $160,000 Building $257,952	$417,952 Land $160,000 Building $257,952

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

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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