Island County property record for 5320 Bercot Rd, Freeland, WA 98249
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,030 sqft · built 1949 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $740,000 (Mar 2020) |
| Tax Bill | $4,930 (2026) |
| Deeds & Mortgages | Oct 2021 Mortgage Mar 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S8290-00-00038-1 |
| Primary APN | S8290-00-00038-1 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 11 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,030 sqft Living Area |
| Gross Area | 2,210 sqft |
| 1st Floor Area | 2,030 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1949 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Shingle |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 24,829 sqft (0.57 acres) |
| Garage Type | Detached |
| Garage Area | 540 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 440 sqft |
| Storage Building | 144 sqft |
| Heating System | Floor/Wall Furnace |
|---|---|
| Heating Fuel | Electric |
| Street Address | 5320 BERCOT RD |
|---|---|
| City | FREELAND |
| State | WA |
| Zip | 98249-9723 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 10 |
| Legal Description | SYNDICATE ADD LOT 38 EX W100 SUBJ TO EZ TGW UNDIV 1/2 INT IN WELL |
| Legal Subdivision | SYNDICATE ADD |
| Legal Lot Number | 38 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | CENTRAL WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 971301 |
Source: Island County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 5320 BERCOT RD, FREELAND, WA 98249-9723 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 4, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Mar 27, 2020 | Warranty Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE RESOURCES LLC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2020 · Amount on Record |
| Deed Sale | Mar 27, 2020 · Amount on Record |
| Prior Sale | Feb 7, 2006 · Amount on Record |
| Deed Document Number | 20204483766 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 5320 BERCOT RD, FREELAND, WA 98249-9723 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 5320 BERCOT RD, FREELAND, WA 98249-9723 |
| Document Number | 0004530538 |
|---|---|
| Date | Oct 4, 2021 |
| Instrument | 4530538 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Mar 27, 2020 |
| Property Address | 5320 BERCOT RD, FREELAND, WA 98249-9723 |
| Document Number | 0004483766 |
| Map Reference | VOL 2 PG 23 |
| Instrument Date | Mar 25, 2020 |
| Instrument | 4483766 |
| Transaction Type | Transfer |
| Record Updated | Sep 8, 2022 |
| Title Company | PREMIER TTL OF INSLAND CNTY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $12,277.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5320 BERCOT RD, FREELAND, WA 98249-9723 |
| Document Number | 0004483767 |
|---|---|
| Date | Mar 27, 2020 |
| Instrument | 4483767 |
| Name | PREMIER MORTGAGE RESOURCES LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2050 |
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 | $4,930.00 (+24.21%) | ||
| 2025 | $623,744 (+1.74%) Land $250,000 Building $373,744 | $623,744 (+1.74%) Land $250,000 Building $373,744 | |
| 2023 | $3,969.00 | $613,059 (+3.72%) Land $230,000 Building $383,059 | $613,059 (+3.72%) Land $230,000 Building $383,059 |
| 2022 | $591,083 Land $240,000 Building $351,083 | $591,083 Land $240,000 Building $351,083 |
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 |
|---|---|
| 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 |
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 95% of the US · lower than 97.1% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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