5274 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5274 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 4,560 sqft · built 1970
Lot Size	0.81 acres (35,284 sqft)
Owner	Company Name on Record
Last Sale	$1,150,000 (Aug 2022)
Tax Bill	$6,478 (2026)
Deeds & Mortgages	Sep 2026 Construction Loan Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S7105-00-00004-0`

Property Details

APN / Parcel Number

Primary APN	`S7105-00-00004-0`
Alternative APN	`268392`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	17 Plumbing Fixtures
Stories	1 Story
Building Area	4,560 sqft Living Area
Gross Area	5,327 sqft
1st Floor Area	1,728 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1973
Exterior Material	Hardboard/Plywood
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Aluminum
Lot Area	35,284 sqft (0.81 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	767 sqft
Parking Spaces	3 Parking Spaces
Porch	Open Porch
Porch Area	778 sqft
Deck Area	Deck Area

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Heat Pump

Location & Zoning

Street Address	5274 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	HAZENS BCH LOT 4
Legal Subdivision	HAZENS BCH
Legal Lot Number	4
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	Company Name on Record
Mailing Address	5274 E HARBOR RD, FREELAND, WA 98249-9503
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2026	Quit Claim Deed, Transfer · Construction Mortgage LOAN FUNDER LLC
Aug 31, 2022	Warranty Deed, Transfer · Conventional Mortgage AXOS BANK
Dec 21, 2021	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Deed Document Number	20224550523
Last Transfer Date	Sep 9, 2026
Transfer Doc	0004605580
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 11, 2026
Property Address	5274 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004605580
Instrument Date	Sep 9, 2026
Instrument	20264605580
Transaction Type	Transfer
Record Updated	Sep 18, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	5274 E HARBOR RD, FREELAND, WA 98249-9503

Mortgage

Document Number	0004605581,
Date	Sep 11, 2026
Instrument	20264605581

Lender

Name	LOAN FUNDER LLC

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 9, 2027

Interest

Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 31, 2022
Property Address	5274 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004550523
Map Reference	VOL 3 PG 57
Instrument Date	Aug 11, 2022
Instrument	4550523
Transaction Type	Transfer
Record Updated	Sep 7, 2022
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL TTL CO OF WA I

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$19,575.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	406 MARKET ST STE A, A, KIRKLAND, WA 98033-6135

Mortgage

Document Number	0004550524
Date	Aug 31, 2022
Instrument	4550524

Lender

Name	AXOS BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.12%
Type Change Date	Sep 1, 2027
Change Frequency	Annually
Min Rate At Change	5.12%
Max Rate At Change	10.1%
Index	Other
Margin	4
Max Rate	10.1%

December 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 21, 2021
Property Address	5274 E HARBOR RD, FREELAND, WA 98249-9503
Document Number	0004536338
Map Reference	VOL 3 PG 57
Instrument Date	Dec 20, 2021
Instrument	4536338
Transaction Type	Transfer
Record Updated	Jan 3, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$6,478.00 (-10.05%)
2025	$7,202.00 (+10.22%)	$790,814 (-21.81%) Land $600,000 Building $190,814	$790,814 (-21.81%) Land $600,000 Building $190,814
2023	$6,534.00	$1,011,342 (+3.48%) Land $600,000 Building $411,342	$1,011,342 (+3.48%) Land $600,000 Building $411,342
2022		$977,315 Land $600,000 Building $377,315	$977,315 Land $600,000 Building $377,315

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 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.

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

5G and 4G LTE (outdoors only)

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