Island County property record for 4985 Deception Cir, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,457 sqft · built 2022 |
| Lot Size | 0.257 acres (11,199 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $525,000 (May 2023) |
| Tax Bill | $3,524 (2025) |
| Deeds & Mortgages | May 2022 Line of Credit May 2023 Transfer + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S6455-00-00036-0 |
| Primary APN | S6455-00-00036-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Building Area | 1,457 sqft Living Area |
| Gross Area | 1,857 sqft |
| 1st Floor Area | 1,457 sqft |
| Flooring | Vinyl/Resilient |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Concrete |
| Roof Material | Asphalt |
| Lot Area | 11,199 sqft (0.257 acres) |
| Garage Type | Attached |
| Garage Area | 400 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Street Address | 4985 DECEPTION CIR |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-9707 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | DEC PK VU 1 LOT 36 |
| Legal Subdivision | DEC PK |
| Legal Lot Number | 36 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 970100 |
Source: Island County records, as of April 6, 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 | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Life Estate |
| Date | Document |
|---|---|
| May 25, 2022 | Deed of Trust, Mortgage · Line of Credit SAVIBANK |
| May 3, 2023 | Intrafamily Transfer, Transfer PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY |
| May 3, 2023 | Warranty Deed, Transfer · Conventional Mortgage US BANK NA |
| Jul 19, 2021 | Warranty Deed, Transfer PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY |
| Mar 28, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 3, 2023 · Amount on Record |
| Deed Sale | May 3, 2023 · Amount on Record |
| Prior Sale | Jul 19, 2021 · Amount on Record |
| Deed Document Number | 20234559481 |
| Prior Transfer Date | May 1, 2023 |
| Prior Transfer Doc | 0004559482 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Transaction Type | Mortgage |
| Record Updated | Nov 23, 2023 |
| Title Company | NOT AVAILABLE, STG |
| Name | Verified Name |
|---|
| Document Number | 0004545654 |
|---|---|
| Date | May 25, 2022 |
| Instrument | 4545654 |
| Name | SAVIBANK |
|---|---|
| Type | Bank |
| Address | OAK HARBOR, WA 98277 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | May 3, 2023 |
| Property Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Number | 0004559482 |
| Map Reference | VOL 10 PG 15 |
| Instrument Date | May 1, 2023 |
| Instrument | 4559482 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2023 |
| Title Company | PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | May 3, 2023 |
| Property Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Number | 0004559481 |
| Map Reference | VOL 10 PG 15 |
| Instrument Date | Apr 19, 2023 |
| Instrument | 4559481 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2023 |
| Title Company | PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,405.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Number | 0004559483 |
|---|---|
| Date | May 3, 2023 |
| Instrument | 4559483 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jul 19, 2021 |
| Property Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Number | 0004524765 |
| Map Reference | VOL 10 PG 15 |
| Instrument Date | Jul 14, 2021 |
| Instrument | 4524765 |
| Transaction Type | Transfer |
| Record Updated | Nov 23, 2023 |
| Title Company | PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,093.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 335, OAK HARBOR, WA 98277-0335 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Mar 28, 2018 |
| Property Address | 4985 DECEPTION CIR, OAK HARBOR, WA 98277-9707 |
| Document Number | 0004441561 |
| Instrument Date | Mar 28, 2018 |
| Instrument | 4441561 |
| Transaction Type | Transfer |
| Record Updated | Apr 6, 2018 |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 704 NW KRUEGER ST COUPEVILLE WA 982393456, COUPEVILLE, WA 98239-3456 |
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,524.00 (+94.16%) | $511,472 (+2.2%) Land $200,000 Building $311,472 | $511,472 (+2.2%) Land $200,000 Building $311,472 |
| 2023 | $1,815.00 | $500,464 (+109.77%) Land $180,000 Building $320,464 | $500,464 (+109.77%) Land $180,000 Building $320,464 |
| 2022 | $238,578 Land $40,000 Building $198,578 | $238,578 Land $40,000 Building $198,578 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 18 policies |
| Nearby Flood Policies | 18 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.
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 |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | DECEPTION PARK VIEW private · serves 180 people · EPA ID WA5318305 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Aug 2023 |
| Lead | 2 ppb (2023–2025) action level 15 ppb |
| 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.
Source: FCC Broadband Data Collection, based on 77 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 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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