5208 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5208 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	5 bd · 6 ba · 4,224 sqft · built 2007
Lot Size	5.6 acres (243,936 sqft)
Owner	2 Company Names on Record
Last Sale	$2,900,000 (Oct 2025)
Tax Bill	$14,723 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage May 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`R22911-517-2840`

Property Details

APN / Parcel Number

Primary APN	`R22911-517-2840`
Alternative APN	`806802`

Interior

Bedrooms	5 Beds
Full Baths	5.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	22 Plumbing Fixtures
Stories	2 Stories
Building Area	5,124 sqft Living Area
Gross Area	6,052 sqft
1st Floor Area	1,976 sqft
Upper Floors Area	3,004 sqft
Basement Area	144 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	243,936 sqft (5.6 acres)
Lot Width	132 ft Width
View / Lot	Waterfront
Garage Type	Attached
Garage Area	928 sqft
Parking Spaces	4 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	1,128 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	5208 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	21
Legal Description	PT OF FOLL DESC LY WLY OF E HARBOR RD: N132 OF GL1 & NW NE MEAS R/A TO & PARA/W NLN SEC 11 INCL ADJ TIDES
Legal Range	2E
Legal Township	29N
Legal Section	11
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2029
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 Company Names on Record
Mailing Address	5208 E HARBOR RD, FREELAND, WA 98249-9503
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA
May 2, 2018	Grant Deed ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Jul 14, 2015 · Amount on Record
Deed Document Number	20254592683
Prior Transfer Date	May 1, 2018
Prior Transfer Doc	0004443611
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 27, 2025
Property Address	5208 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004592683
Instrument Date	Oct 20, 2025
Instrument	4592683
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	LT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$70,892.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5208 E HARBOR RD, FREELAND, WA 98249-9503
Investor	Possibly a Property Investor

Mortgage

Document Number	0004592684
Date	Oct 27, 2025
Instrument	4592684

Lender

Name	MORGAN STANLEY PRIVATE BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.45%
Type Change Date	Nov 1, 2032
Change Frequency	6 Months
Min Rate At Change	3%
Max Rate At Change	10.4%
Index	SOFR Average 30-Day
Margin	3
Max Rate	10.4%

May 2018: Grant Deed

Document Type	Grant Deed
Jurisdiction	ISLAND WA
Recording Date	May 2, 2018
Property Address	5208 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004443611
Instrument Date	May 2, 2018
Instrument	4443611
Record Updated	May 24, 2018
Title Company	ATTORNEY ONLY

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	7800 DALLAS PKWY #360 PLANO TX 750244107, 360, PLANO, TX 75024-4107

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	$14,723.00
2025		$1,871,037 (-1.49%) Land $651,320 Building $1,219,717	$1,871,037 (-1.49%) Land $651,320 Building $1,219,717
2023		$1,899,416 Land $651,320 Building $1,248,096	$1,899,416 Land $651,320 Building $1,248,096

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 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 24 policies
Nearby Flood Policies	24 in force
Nearby Flood Claims	9 (1996–2023)
Most Recent Claim	Feb 2023 · other causes
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 2 claims

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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 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 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

4G LTE (outdoors only), no 5G reported

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