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

Island County property record for 492 E Sleeper Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,903 sqft · built 1966
Lot Size	9.52 acres (415,127 sqft)
Owner	Individual Name on Record
Last Sale	$625,000 (Jan 2020)
Tax Bill	$5,131 (2023)
Deeds & Mortgages	Oct 2020 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R23320-495-1180`

Property Details

APN / Parcel Number

Primary APN	`R23320-495-1180`
Alternative APN	`735226`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,903 sqft Living Area
Gross Area	2,904 sqft
1st Floor Area	1,571 sqft
Upper Floors Area	1,333 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Exterior Material	Other
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	415,127 sqft (9.52 acres)
Garage Type	Mixed
Garage Area	1,005 sqft
Carport	Carport
Carport Area	980 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	1,314 sqft
Storage Building	384 sqft

Utilities, Heating & Cooling

Heating Fuel	Oil

Location & Zoning

Account Number	735226
Street Address	492 E SLEEPER RD
City	OAK HARBOR
State	WA
Zip	98277-9406
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	E430OF NW NW EX S2 S2 NW NW EX SLEEPER RD FR 518-1290 & 482-1120 TGW EZ AF#96003933
Legal Range	02
Legal Township	33
Legal Section	20
Legal Lot Number	A
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3009
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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	492 E SLEEPER RD, OAK HARBOR, WA 98277-9406
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 28, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN PACIFIC MORTGAGE CORP
Jan 15, 2020	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 15, 2020 · Amount on Record
Deed Sale	Jan 15, 2020 · Amount on Record
Prior Sale	Aug 30, 2016 · Amount on Record
Deed Document Number	4479390
Record Updated	Jun 8, 2026

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	492 E SLEEPER RD, OAK HARBOR, WA 98277-9406
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004500679
Date	Oct 28, 2020
Instrument	4500679

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 15, 2020
Property Address	492 E SLEEPER RD, OAK HARBOR, WA 98277-9406
Document Number	0004479390
Instrument Date	Jan 9, 2020
Instrument	4479390
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,230.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	492 E SLEEPER RD, OAK HARBOR, WA 98277-9406

Mortgage

Document Number	0004479391
Date	Jan 15, 2020
Instrument	4479391

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2050

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		$779,377 (+2.31%) Land $300,000 Building $479,377	$779,377 (+2.31%) Land $300,000 Building $479,377
2023	$5,131.00	$761,787 (+10.25%) Land $270,000 Building $491,787	$761,787 (+10.25%) Land $270,000 Building $491,787
2022		$690,940 Land $240,000 Building $450,940	$690,940 Land $240,000 Building $450,940

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
Flood Insurance Cost	Premium on Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Winter Storms, Land & Muds Slides,flooding
Claims by Event	Severe Winter Storms, Land & Muds Slides,flooding, Jan 1997 · 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 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Astound Broadband.

Cell Coverage

5G (outdoors only) and 4G LTE

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