5107 Bercot Rd, Freeland, WA 98249 Property Records

Island County property record for 5107 Bercot Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,055 sqft · built 1980
Lot Size	1.54 acres (67,082 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,860 (2026)
Deeds & Mortgages	Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R22903-128-4100`

Property Details

APN / Parcel Number

Primary APN	`R22903-128-4100`
Alternative APN	`46685`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,055 sqft Living Area
1st Floor Area	1,699 sqft
Upper Floors Area	1,358 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 2000
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	67,082 sqft (1.54 acres)
Lot Dimensions	100 ft deep x 124 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	625 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	1,031 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	5107 BERCOT RD
City	FREELAND
State	WA
Zip	98249-9787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	PT GL 5 SEC 3 DESC BG SWCR GL 5 AS SHOWN ON SP REC V2 PG8 N1W 1215.18 N88E 1191.24 TPB N5E 110.85 S87W 4.09 N6E 12.23 N88E 548.80 S12W 131.72 S88W 528.86 TPB TGW ALL UPLANDS LYING BETWEEN ELN OF ABOVE DESC & ML TGW 2ND CLASS TIDES LOC IN
Legal Range	2E
Legal Township	29N
Legal Section	03
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	2
Census Block	2021
Census Tract	971301

Owner

5107 Bercot Rd is owned and occupied by two individuals.

Source: Island County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	5107 BERCOT RD, FREELAND, WA 98249-9787
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5107 BERCOT RD, FREELAND, WA 98249-9787
Document Number	0004434106
Instrument Date	Nov 4, 2017
Transaction Type	Mortgage
Record Updated	Dec 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5107 BERCOT RD FREELAND WA 982499787, FREELAND, WA 98249-9787

Mortgage

Document Number	0004434106
Date	Nov 15, 2017
Instrument	4434106

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Amount	Amount on Record
Term	360 Months
Due	Nov 14, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.32%

Tax Assessment & Valuation

The 2026 property tax bill for 5107 Bercot Rd was $9,860.

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	$9,860.00
2025		$1,250,164 Land $751,240 Building $498,924	$1,250,164 Land $751,240 Building $498,924
2023	$7,680.00	$1,212,693 (+5.78%) Land $701,240 Building $511,453	$1,212,693 (+5.78%) Land $701,240 Building $511,453
2022		$1,146,444 Land $676,240 Building $470,204	$1,146,444 Land $676,240 Building $470,204

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5107 Bercot Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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 VE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	5 (2012–2022)
Claims Outside the SFHA	1 of 5
Most Recent Claim	Dec 2022 · tidal / storm surge

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

Wildfire risk around 5107 Bercot Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 95% of the US · lower than 97.1% of Washington
Wildfire Likelihood	Under 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.

Drinking Water

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

Water System	FREELAND WATER AND SEWER DISTRICT serves 1,264 people · EPA ID WA5326450
Water Source	Groundwater
Last State Inspection	Jul 2021
Lead	Under 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	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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Whidbey Telephone Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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