5029 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5029 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,240 sqft · built 1991
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on Record
Tax Bill	$494 (2026)
Deeds & Mortgages	Jun 2026 Reverse Mortgage Feb 2024 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R22901-228-0160`

Property Details

APN / Parcel Number

Primary APN	`R22901-228-0160`
Alternative APN	`45677`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	384 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	5029 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9505
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	26 - BG E4 CR SEC 2 E330 S300 TPB S100 W TP ON CLN E HARBOR RD NLY ALG CLN TP LY W FR TPB E TPB (TR 15 UNREC PLAT OF TIMBERLAND)
Legal Range	2E
Legal Township	29N
Legal Section	01
Legal Tract	15
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1027
Census Tract	971900

Owner

Source: Island County records, as of October 20, 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	5029 E HARBOR RD, FREELAND, WA 98249-9505
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Deed of Trust, Mortgage · Reverse Mortgage CROSSCOUNTRY MORTGAGE
Feb 29, 2024	Transfer on Death Deed, Transfer
Jul 12, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Feb 29, 2024
Transfer Doc	0004569869
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	Jun 16, 2026
Property Address	5029 E HARBOR RD, FREELAND, WA 98249-9505
Document Number	0004601898
Instrument Date	Jun 3, 2026
Instrument	20264601898
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5029 E HARBOR RD, FREELAND, WA 98249-9505

Mortgage

Document Number	0004601898,
Date	Jun 16, 2026
Instrument	20264601898

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	852 Months
Due	Jun 15, 2097

Interest

Rate	6.37%
Max Rate	-1%

February 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ISLAND WA
Recording Date	Feb 29, 2024
Property Address	5029 E HARBOR RD, FREELAND, WA 98249-9505
Document Number	0004569869
Instrument Date	Feb 29, 2024
Instrument	4569869
Transaction Type	Transfer
Record Updated	Mar 13, 2024

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

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5029 E HARBOR RD, FREELAND, WA 98249-9505
Transaction Type	Mortgage
Record Updated	Mar 1, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004523959
Date	Jul 12, 2021
Instrument	4523959

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Apr 1, 2051

Tax Assessment & Valuation

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$494.00 (+10.27%)
2025		$492,237 (+2.85%) Land $260,000 Building $232,237	$492,237 (+2.85%) Land $260,000 Building $232,237
2023	$448.00 Senior Citizen's exemption	$478,580 (+4.29%) Land $240,000 Building $238,580	$478,580 (+4.29%) Land $240,000 Building $238,580
2022		$458,902 Land $240,000 Building $218,902	$458,902 Land $240,000 Building $218,902

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
Nearby Flood Policies	2 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.

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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CAL WATERWORKS private · serves 239 people · EPA ID WA5331040
Water Source	Groundwater
Last State Inspection	Mar 2023
Lead	1 ppb (2021–2023) 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. 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 50 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

May also be available: Astound Broadband, Whidbey Telephone.

Cell Coverage

5G (outdoors only) and 4G LTE

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