5315 Bercot Rd, Freeland, WA 98249 Property Records

Island County property record for 5315 Bercot Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 928 sqft · built 1995
Lot Size	0.468 acres (20,400 sqft)
Owner	Individual Name on File
Last Sale	$2,120,000 (Oct 2025)
Tax Bill	$9,715 (2023)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8290-00-00013-0`

Property Details

APN / Parcel Number

Primary APN	`S8290-00-00013-0`
Alternative APN	`406055`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	3,423 sqft
2nd Floor Area	620 sqft
Upper Floors Area	732 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Aluminum
Lot Area	20,400 sqft
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Water
Garage Type	Attached
Garage Area	976 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	1,893 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	406055
Street Address	5315 BERCOT RD
City	FREELAND
State	WA
Zip	98249-9723
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SYNDICATE ADD LOT 13 INCL ADJ TIDES
Legal Subdivision	SYNDICATE ADD
Legal Lot Number	13
Jurisdiction	ISLAND WA
Township / Civil Division	CENTRAL WHIDBEY ISLAND
Census Block Group	2
Census Block	2021
Census Tract	971301

Owner

Source: Island County records · APN S8290-00-00013-0

Assessment roll updated May 31, 2025 · Last verified November 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	23209 SE 47TH ST, SAMMAMISH, WA 98075-6826
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 30, 2025 · Amount on Record
Deed Sale	Oct 30, 2025 · Amount on Record
Deed Document Number	4592860
Record Updated	Jun 08, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 30, 2025
Property Address	5315 BERCOT RD, FREELAND, WA 98249-9723
Document Number	0004592860
Map Reference	VOL 2 PG 23
Instrument Date	Oct 27, 2025
Instrument	4592860
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$45,542.50
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	23209 SE 47TH ST, SAMMAMISH, WA 98075-6826

Mortgage

Document Number	0004592861
Date	Oct 30, 2025
Instrument	4592861

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2055

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	Nov 01, 2032
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.3%
Index	SOFR Average 30-Day
Max Rate	10.3%

Tax Assessment & Valuation

Source: Island County records · Assessment roll updated May 31, 2025 · Last verified November 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$1,558,363 (+1.87%) Land $701,040 Building $857,323	$1,558,363 (+1.87%) Land $701,040 Building $857,323
2023	$9,715.00	$1,529,730 (+5.04%) Land $651,040 Building $878,690	$1,529,730 (+5.04%) Land $651,040 Building $878,690
2022		$1,456,373 Land $651,040 Building $805,333	$1,456,373 Land $651,040 Building $805,333

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Island County (53029C), updated June 26, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530299713012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 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

Wildfire

Wildfire Risk	Low lower than 95% of the US · lower than 97.1% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 80 locations within half a mile · Last verified October 2026

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Abound Ventures Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026

Water System	FREELAND WATER AND SEWER DISTRICT serves 1,264 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.