San Juan County property record for 531 Fern St, Eastsound, WA 98245
| Property Type | Bank, Financial Building |
|---|---|
| Details | 3 ba · 4,434 sqft · built 1990 |
| Lot Size | 0.211 acres (9,200 sqft) |
| Owner | Company Name on File |
| Last Sale | $1,050,000 (Oct 2024) |
| Tax Bill | $129 (2025) |
| Deeds & Mortgages | Jul 2017 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 271454-206-000 |
| Primary APN | 271454-206-000 |
|---|---|
| Alternative APN |
|
| Full Baths | 3 Baths |
|---|---|
| Plumbing Fixtures | 8 Plumbing Fixtures |
| Units | 2 Units |
| Stories | 1 Story |
| Building Area | 4,434 sqft Gross Area |
| 1st Floor Area | 1,500 sqft |
| Basement Area | 2,934 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Year Built | Built 1990 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Metal |
| Lot Area | 9,200 sqft (0.211 acres) |
| Terrain | Gentle Slope |
| View / Lot | Commercial |
| Deck Area | 700 sqft |
| Patio Area | 2,160 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Heating Fuel | Electric |
| Sewer | Septic |
| Account Number | 11701 |
|---|---|
| Street Address | 531 FERN ST |
| City | EASTSOUND |
| State | WA |
| Zip | 98245-9444 |
| Property Category | Commercial |
| Property Type | Commercial > Office > Bank, Financial Building |
| Legal Description | ALTERATION TO 1ST ADDITION TO SOUNDVIEW - LOT C SEC 14, T 37N, R 2W |
| Legal Range | 02W |
| Legal Township | 37N |
| Legal Section | 14 |
| Legal Subdivision | ALTERATION TO 1ST ADDITION TO SOUNDVIEW |
| Legal Lot Number | C |
| Jurisdiction | SAN JUAN WA |
| Township / Civil Division | ORCAS |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 960101 |
531 Fern St, a commercial property, is owned by a company that bought it in October 2024.
Source: San Juan County records, as of March 11, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 531 FERN ST, EASTSOUND, WA 98245-9444 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 15, 2024 · Amount on File |
| Deed Sale | Oct 15, 2024 · Amount on File |
| Prior Sale | Jul 10, 2017 · Amount on File |
| Deed Document Number | 202415 |
| Record Updated | Sep 20, 2026 |
| Document Type | Special Warranty Deed |
|---|---|
| Jurisdiction | SAN JUAN WA |
| Recording Date | Jul 10, 2017 |
| Property Address | 531 FERN ST, EASTSOUND, WA 98245-9444 |
| Document Number | 0000710010 |
| Map Reference | VOL5 PG41 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 2017-0710010 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2022 |
| Title Company | SAN JUAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 1 FIRST AMERICAN WAY, 1, SANTA ANA, CA 92707-5913 |
| Name | Verified Name |
|---|---|
| Address | PO BOX 693, MERCER ISLAND, WA 98040-0693 |
| Document Number | 0000710013 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 2017-0710013 |
| Name | ISLANDERS BANK |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 531 Fern St was $129.
Source: San Juan County assessment roll, as of March 11, 2026
| Type | Name |
|---|---|
| State | Washington |
| County | San Juan County |
| Unified School District | Orcas Island School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $129.00 | ||
| 2024 | $893,850 Land $271,090 Building $622,760 | ||
| 2023 | $4,172.00 | ||
| 2022 | $689,520 Land $225,910 Building $463,610 | $689,520 Land $225,910 Building $463,610 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 531 Fern St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 6, 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 |
| Nearby Flood Policies | 5 in force |
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 risk around 531 Fern St is low, with a 0.01% annual chance of 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | EASTSOUND WATER USERS ASSOCIATION private · serves 3,711 people · EPA ID WA5322170 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2023 |
| Lead | 5 ppb (2022–2024) action level 15 ppb |
| Water Quality | Treatment failure resolved · Dec 2021 |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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.
Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Rock Island Communications Fiber | 2,000 / 2,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Orcas Online.
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