5230 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5230 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 792 sqft · built 1973
Lot Size	1.66 acres (72,310 sqft)
Owner	2 Company Names on Record
Tax Bill	$10,890 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R22911-482-2930`

Property Details

APN / Parcel Number

Primary APN	`R22911-482-2930`
Alternative APN	`51632`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	4 Plumbing Fixtures
Stories	1 Story
Building Area	3,280 sqft Living Area
1st Floor Area	2,140 sqft
Upper Floors Area	1,140 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1979
Effective Year Built	Effective 1979
Exterior Material	Shingle
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	72,310 sqft (1.66 acres)
Lot Dimensions	100 ft deep x 144 ft wide
View / Lot	Waterfront
Garage Type	Detached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Open Porch
Porch Area	1,332 sqft
Storage Building	322 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	5230 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9503
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	2 - S144 OF N468 OF GL1 & OF NWNE LY W OF CO RD
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	5230 E HARBOR RD, FREELAND, WA 98249-9503
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Deed of Trust, Mortgage · Line of Credit STATE EMPLOYEES CREDIT UNION
Sep 4, 2020	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Dec 28, 2005
Transfer Doc	0004167527
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	Jun 29, 2026
Property Address	5230 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004602352
Instrument Date	Jun 23, 2026
Instrument	20264602352
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0004602352,
Date	Jun 29, 2026
Instrument	20264602352

Lender

Name	STATE EMPLOYEES CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	6.53%
Max Rate	-1%

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5230 E HARBOR RD, FREELAND, WA 98249-9503
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004495741
Date	Sep 4, 2020
Instrument	4495741

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2050

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	$10,890.00 (+23.36%)
2025		$1,381,685 (-1.65%) Land $650,000 Building $731,685	$1,381,685 (-1.65%) Land $650,000 Building $731,685
2023	$8,828.00	$1,404,883 (+6.49%) Land $650,000 Building $754,883	$1,404,883 (+6.49%) Land $650,000 Building $754,883
2022		$1,319,322 Land $625,000 Building $694,322	$1,319,322 Land $625,000 Building $694,322

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

Nearby Properties on E Harbor Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures