Island County property record for 5248 Cloudstone Ln, Freeland, WA 98249
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 2,520 sqft · built 2022 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $340,000 (Dec 2010) |
| Tax Bill | $5,688 (2026) |
| Deeds & Mortgages | Jan 2026 Reverse Mortgage Oct 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R22905-029-1640 |
| Primary APN | R22905-029-1640 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 2,520 sqft Living Area |
| 1st Floor Area | 2,520 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Architectural Style | Mobile Home |
| Exterior Material | Aluminum/Vinyl |
| Foundation Type | Concrete |
| Roof Type | Flat |
| Roof Material | Aluminum |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Porch | Open Porch |
| Porch Area | 56 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | Evaporative |
|---|---|
| Heating Fuel | Electric |
| Street Address | 5248 CLOUDSTONE LN |
|---|---|
| City | FREELAND |
| State | WA |
| Zip | 98249-8782 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20 |
| Legal Description | SW SE SW TGW EZ AF#93022334 FR 060-1960 |
| Legal Range | 2E |
| Legal Township | 29N |
| Legal Section | 05 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | CENTRAL WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 971302 |
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 | 5248 CLOUDSTONE LN, FREELAND, WA 98249-8782 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 7, 2026 | Affidavit of Death of Joint Tenant, Transfer · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC |
| Oct 18, 2023 | Deed of Trust, Mortgage · Conventional Mortgage NORTHWEST PLUS CU |
| May 4, 2023 | Deed of Trust, Mortgage COACH CORRAL INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 2, 2010 · Amount on Record |
| Deed Sale | Dec 2, 2010 · Amount on Record |
| Deed Document Number | 20104286024 |
| Record Updated | Oct 29, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jan 7, 2026 |
| Property Address | 5248 CLOUDSTONE LN, FREELAND, WA 98249-8782 |
| Document Number | 0004595427 |
| Instrument Date | Nov 3, 2025 |
| Instrument | 4595427 |
| Transaction Type | Transfer |
| Record Updated | Jan 19, 2026 |
| Title Company | ALLEGIANT REVERSE SERVICES |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0004595428 |
|---|---|
| Date | Jan 7, 2026 |
| Instrument | 4595428 |
| Name | FINANCE OF AMERICA REVERSE LLC |
|---|---|
| Type | Reverse Mortgage Lender |
| Address | TULSA, OK 74133 |
| Type | Reverse Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 770 Months |
| Due | Mar 14, 2090 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2026 |
| Change Frequency | Monthly |
| Index | 1-Year CMT |
| Max Rate | 10.6% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 5248 CLOUDSTONE LN, FREELAND, WA 98249-8782 |
| Transaction Type | Mortgage |
| Record Updated | Oct 27, 2023 |
| Title Company | NOT AVAILABLE, GNW |
| Name | Verified Name |
|---|
| Document Number | 0004565787 |
|---|---|
| Date | Oct 18, 2023 |
| Instrument | 4565787 |
| Name | NORTHWEST PLUS CU |
|---|---|
| Type | Credit Union |
| Address | EVERETT, WA 98201 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 5248 CLOUDSTONE LN, FREELAND, WA 98249-8782 |
| Transaction Type | Mortgage |
| Record Updated | May 18, 2023 |
| Title Company | LAND TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Address | 5248 CLOUDSTONE LN, FREELAND, WA 98249-8782 |
| Document Number | 0004559553 |
|---|---|
| Date | May 4, 2023 |
| Instrument | 4559553 |
| Name | COACH CORRAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | OAK HARBOR, WA 98277 |
| Amount | Amount Recorded |
|---|---|
| Term | 5 Months |
| Due | Sep 30, 2023 |
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | South Whidbey School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,688.00 (+14.59%) | ||
| 2025 | $4,964.00 (+78.95%) | $712,348 (+47.29%) Land $460,000 Building $252,348 | $712,348 (+47.29%) Land $460,000 Building $252,348 |
| 2023 | $2,774.00 | $483,641 (+18.69%) Land $390,000 Building $93,641 | $483,641 (+18.69%) Land $390,000 Building $93,641 |
| 2022 | $407,498 Land $320,000 Building $87,498 | $407,498 Land $320,000 Building $87,498 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 15 policies |
| Nearby Flood Policies | 15 in force |
| Nearby Flood Claims | 3 (2016–2018) |
| Most Recent Claim | Dec 2018 · Severe Winter Storms, Straight-line Winds, Flooding, Landslides, Mudslides, Tornado |
| Claims by Event |
|
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Whidbey Telephone DSL | 25 / 3 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures