496 Cayou Valley Rd, Eastsound, WA 98245 Property Records

San Juan County property record for 496 Cayou Valley Rd, Eastsound, WA 98245

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,001 sqft · built 1980
Lot Size	0.627 acres (27,290 sqft)
Owner	2 Individual Names on Record
Last Sale	$415,000 (Dec 2022)
Tax Bill	$2,270 (2025)
Deeds & Mortgages	Jan 2026 Mortgage Feb 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`260750-020-000`

Property Details

APN / Parcel Number

Primary APN	`260750-020-000`
Alternative APN	`8854`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	1 Story
Building Area	1,001 sqft Living Area
1st Floor Area	640 sqft
Flooring	Vinyl/Resilient
Interior Walls	Unfinished
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Wood
Roof Material	Concrete
Lot Area	27,290 sqft (0.627 acres)
Terrain	Wooded
Garage Type	Detached
Garage Area	258 sqft

Exterior Amenities

Deck Area	78 sqft
Patio Area	72 sqft
Shed	1 Shed
Shed Area	49 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Electric
Sewer	Septic

Location & Zoning

Account Number	8854
Street Address	496 CAYOU VALLEY RD
City	EASTSOUND
State	WA
Zip	98245-8428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CAYOU VALLEY DIV 1 - LOT 20, VOL. 4 PG. 6-6A SEC 07, T 36N, R 2W
Legal Range	02W
Legal Township	36N
Legal Section	07
Legal Subdivision	CAYOU VALLEY DIV 1
Legal Lot Number	20
Jurisdiction	SAN JUAN WA
Township / Civil Division	ORCAS
Census Block Group	2
Census Block	2023
Census Tract	960103

Owner

Source: San Juan County records, as of May 21, 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	PO BOX 1513, EASTSOUND, WA 98245-1513
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 21, 2026	Deed of Trust, Mortgage · Conventional Mortgage LAKEVIEW LOAN SERVICING LLC
Feb 17, 2021	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Dec 22, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Apr 23, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 22, 2022 · Amount on Record
Deed Sale	Dec 22, 2022 · Amount on Record
Prior Sale	Apr 24, 2015 · Amount on Record
Deed Document Number	202212
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	496 CAYOU VALLEY RD, EASTSOUND, WA 98245-8428
Transaction Type	Mortgage
Record Updated	Jan 29, 2026
Title Company	MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	496 CAYOU VALLEY RD, EASTSOUND, WA 98245-8428

Mortgage

Document Number	0000121006
Date	Jan 21, 2026
Instrument	2026-0121006

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	496 CAYOU VALLEY RD, EASTSOUND, WA 98245-8428
Transaction Type	Mortgage
Record Updated	Oct 31, 2023
Title Company	SERVICELINK EAST ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000217004
Date	Feb 17, 2021
Instrument	2021-0217004

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SAN JUAN WA
Recording Date	Dec 22, 2022
Property Address	496 CAYOU VALLEY RD, EASTSOUND, WA 98245-8428
Document Number	0001222012
Map Reference	VOL 4 PG 6&6A
Instrument Date	Dec 14, 2022
Instrument	2022-1222012
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,865.00
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	PO BOX 1513, EASTSOUND, WA 98245-1513

Mortgage

Document Number	0001222013
Date	Dec 22, 2022
Instrument	2022-1222013

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	496 CAYOU VALLEY RD, EASTSOUND, WA 98245-8428
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIDELITY NATIONAL AGENCY SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423001
Date	Apr 23, 2020
Instrument	2020-0423001

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

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

Tax Assessment & Valuation

Source: San Juan County assessment roll, as of March 11, 2026

Property Jurisdictions

Type	Name
State	Washington
County	San Juan County
Unified School District	Orcas Island School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,270.00 (+3.65%)	$395,140 (+13.75%) Land $128,120 Building $267,020	$395,140 (+13.75%) Land $128,120 Building $267,020
2023	$2,190.00
2022		$347,380 Land $122,020 Building $225,360	$347,380 Land $122,020 Building $225,360

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 March 6, 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	4 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2022 · rainfall accumulation

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	CAYOU VALLEY HOMEOWNERS ASSOC private · serves 31 people · EPA ID WA5311860
Water Source	Groundwater
Last State Inspection	Oct 2024
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	40 / 3

May also be available: Orcas Online, Rock Island Communications.

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