5201 Bercot Rd, Freeland, WA 98249 Property Records

Island County property record for 5201 Bercot Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,197 sqft · built 1940
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on Record
Last Sale	$835,000 (Mar 2006)
Tax Bill	$10,569 (2026)
Deeds & Mortgages	Jan 2026 Mortgage May 2024 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S8290-00-00001-1`

Property Details

APN / Parcel Number

Primary APN	`S8290-00-00001-1`
Alternative APN	`405911`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	3,197 sqft Living Area
Gross Area	4,109 sqft
1st Floor Area	1,933 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 2025
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	20,038 sqft (0.46 acres)
Lot Dimensions	100 ft deep x 135 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	912 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	725 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump
Heating Fuel	Gas

Location & Zoning

Street Address	5201 BERCOT RD
City	FREELAND
State	WA
Zip	98249-9742
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	SYNDICATE ADDITION,S LOT 001,S BLK 00;S LOT B BLC AF#4473974S LOT B BLC AF#4473974
Legal Subdivision	SYNDICATE ADD
Legal Lot Number	001,B
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	2
Census Block	2021
Census Tract	971301

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	5170 BERCOT RD, FREELAND, WA 98249-9787
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jan 13, 2026	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
May 16, 2024	Deed of Trust, Mortgage · Line of Credit WASHINGTON FEDERAL NA
Jan 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE
Jan 7, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 31, 2006 · Amount on Record
Deed Sale	Mar 31, 2006 · Amount on Record
Deed Document Number	20064166441
Last Transfer Date	May 10, 2024
Transfer Doc	0004572341
Record Updated	Oct 29, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5201 BERCOT RD, FREELAND, WA 98249-9742
Transaction Type	Mortgage
Record Updated	Jan 26, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5201 BERCOT RD, FREELAND, WA 98249-9742

Mortgage

Document Number	0004595593
Date	Jan 13, 2026
Instrument	4595593

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Feb 1, 2041

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5201 BERCOT RD, FREELAND, WA 98249-9742
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004572343
Date	May 16, 2024
Instrument	4572343

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank
Address	425 PIKE ST, SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2031
Change Frequency	Annually
Min Rate At Change	4.25%
Max Rate At Change	8.25%
Index	1-Year CMT
Max Rate	10.2%

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 7, 2020
Property Address	5201 BERCOT RD, FREELAND, WA 98249-9742
Document Number	0004478848
Instrument Date	Nov 27, 2019
Instrument	4478848
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5205 BERCOT RD FREELAND WA 982499742, FREELAND, WA 98249-9742

January 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 7, 2020
Property Address	5201 BERCOT RD, FREELAND, WA 98249-9742
Document Number	0004478847
Instrument Date	Nov 11, 2019
Instrument	4478847
Transaction Type	Transfer
Record Updated	Jan 23, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company

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	$10,569.00 (+86.37%)
2025	$5,671.00 (-4.01%)	$1,343,693 (+75.1%) Land $731,350 Building $612,343	$1,343,693 (+75.1%) Land $731,350 Building $612,343
2023	$5,908.00	$767,379 (-13.11%) Land $681,350 Building $86,029	$767,379 (-13.11%) Land $681,350 Building $86,029
2022		$883,156 Land $676,350 Building $206,806	$883,156 Land $676,350 Building $206,806

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
Nearest Special Flood Hazard Area	Zone VE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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	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 57 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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