5125 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5125 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,420 sqft · built 2001
Lot Size	19.1 acres (831,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$649,000 (Jul 2016)
Tax Bill	$8,746 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R22902-048-4410`

Property Details

APN / Parcel Number

Primary APN	`R22902-048-4410`
Alternative APN	`802370`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Building Area	2,420 sqft Living Area
Gross Area	2,972 sqft
1st Floor Area	2,420 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Shingle
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	831,996 sqft (19.1 acres)
Garage Type	Attached
Garage Area	552 sqft
Parking Spaces	7 Parking Spaces
Porch	Open Porch
Porch Area	812 sqft
Storage Building	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5125 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9504
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	40
Legal Description	ALL OF FOLL DESC TR EX E438.20 OF PT GL4 & SE SE LY SLY & ELY OF NEW E HARBOR RD EX PT LY IN TR WHICH INCLUDES N17.16 ACS OF GL4 & SE SE DESC AS FOLL BG NECR GL3 N89W4.30 S423.88 S9W139.40 S26W444.10 S47W219.29 S89E390 ML TO ELN SE SE TPB
Legal Range	2E
Legal Township	29N
Legal Section	02
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1024
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	5125 E HARBOR RD, FREELAND, WA 98249-9504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2016 · Amount on Record
Deed Sale	Jul 7, 2016 · Amount on Record
Deed Document Number	20164402625
Prior Transfer Date	Aug 16, 2011
Prior Transfer Doc	0004301130
Record Updated	Oct 29, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 11, 2022
Property Address	5125 E HARBOR RD, FREELAND, WA 98249-9504
Document Number	0004552442
Map Reference	VOL 49 PG 587
Instrument Date	Sep 19, 2022
Instrument	4552442
Transaction Type	Transfer
Record Updated	Nov 23, 2023
Title Company	LAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$20,821.00
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	5125 E HARBOR RD, FREELAND, WA 98249-9504

Mortgage

Document Number	0004552443
Date	Oct 11, 2022
Instrument	4552443

Lender

Name	FRANKLIN LOAN CENTER
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Mortgage

Document Number	0004552444
Date	Oct 11, 2022
Instrument	4552444

Lender

Name	CANVAS CU
Type	Credit Union
Address	LONE TREE, CO 80124

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$8,746.00 (+106.37%)
2025		$1,112,028 (+3.09%) Land $400,000 Building $712,028	$1,112,028 (+3.09%) Land $400,000 Building $712,028
2023	$4,238.00	$1,078,732 (+70.44%) Land $350,000 Building $728,732	$1,078,732 (+24.39%) Land $350,000 Building $728,732
2022		$632,897 Land $15,695 Building $617,202	$867,202 Land $250,000 Building $617,202

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 70 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

May also be available: Astound Broadband.

Cell Coverage

5G and 4G LTE (outdoors only)

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