5213 Bercot Rd, Freeland, WA 98249 Property Records

Island County property record for 5213 Bercot Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,552 sqft · built 1930
Lot Size	0.262 acres (11,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$580,000 (Aug 2007)
Tax Bill	$7,514 (2026)
Deeds & Mortgages	Aug 2022 Line of Credit Feb 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8290-00-00002-1`

Property Details

APN / Parcel Number

Primary APN	`S8290-00-00002-1`
Alternative APN	`405939`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	10 Plumbing Fixtures
Stories	2 Stories
Building Area	1,552 sqft Living Area
Gross Area	1,634 sqft
1st Floor Area	960 sqft
Upper Floors Area	592 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Foundation Type	Block
Roof Material	Asphalt
Lot Area	11,400 sqft (0.262 acres)
Lot Dimensions	100 ft deep x 68 ft wide
View / Lot	Waterfront
Porch	Enclosed Porch
Porch Area	587 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	5213 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 ADD S15 OF LOT 1 & N53 OF LOT 2 INCL ADJ TIDES
Legal Subdivision	SYNDICATE ADD
Legal Lot Number	1,2
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	5213 BERCOT RD, FREELAND, WA 98249-9742
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2022	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK
Feb 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMESTREET BANK
May 4, 2020	Deed of Trust, Mortgage · Line of Credit HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 7, 2007 · Amount on Record
Deed Sale	Aug 7, 2007 · Amount on Record
Deed Document Number	20074208940
Prior Transfer Date	Feb 16, 2005
Prior Transfer Doc	0004128433
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5213 BERCOT RD, FREELAND, WA 98249-9742
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5213 BERCOT RD, FREELAND, WA 98249-9742

Mortgage

Document Number	0004549015
Date	Aug 2, 2022
Instrument	4549015

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 15, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5213 BERCOT RD, FREELAND, WA 98249-9742
Transaction Type	Mortgage
Record Updated	Oct 30, 2025
Title Company	LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004540151
Date	Feb 22, 2022
Instrument	4540151

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Mar 1, 2037

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5213 BERCOT RD, FREELAND, WA 98249-9742
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004486002
Date	May 4, 2020
Instrument	4486002

Lender

Name	HOMESTREET BANK
Type	Bank
Address	SEATTLE, WA 98101

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Mar 15, 2045

Interest

Rate Type	Fixed 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	$7,514.00 (+30.45%)
2025		$953,660 (+7.79%) Land $730,680 Building $222,980	$953,660 (+7.79%) Land $730,680 Building $222,980
2023	$5,760.00	$884,748 (+2.77%) Land $655,680 Building $229,068	$884,748 (+2.77%) Land $655,680 Building $229,068
2022		$860,862 Land $650,680 Building $210,182	$860,862 Land $650,680 Building $210,182

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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