5340 E Harbor Rd, Freeland, WA 98249 Property Records

Island County property record for 5340 E Harbor Rd, Freeland, WA 98249

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,005 sqft · built 1966
Lot Size	1.08 acres (47,045 sqft)
Owner	2 Individual Names on Record
Last Sale	$940,000 (May 2019)
Tax Bill	$9,299 (2026)
Deeds & Mortgages	Apr 2022 Line of Credit Oct 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S7105-00-00015-0`

Property Details

APN / Parcel Number

Primary APN	`S7105-00-00015-0`
Alternative APN	`268490`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	14 Plumbing Fixtures
Stories	1 Story
Building Area	3,006 sqft Living Area
Gross Area	3,512 sqft
1st Floor Area	2,371 sqft
Upper Floors Area	634 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1986
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	47,045 sqft (1.08 acres)
Lot Dimensions	100 ft deep x 100 ft wide
View / Lot	Waterfront
Garage Type	Attached
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	572 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	5340 E HARBOR RD
City	FREELAND
State	WA
Zip	98249-9534
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	HAZENS BCH LOT 15 INCL ADJ TIDES
Legal Subdivision	HAZENS BCH
Legal Lot Number	15
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	2 Individual Names on Record
Mailing Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 19, 2022	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Oct 5, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAMMAMISH MORTGAGE CO
Mar 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage SAMMAMISH MORTGAGE CO
Aug 3, 2020	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
May 10, 2019	Warranty Deed, Transfer · Conventional Mortgage SAMMAMISH MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 2019 · Amount on Record
Deed Sale	May 10, 2019 · Amount on Record
Prior Sale	Jul 13, 2015 · Amount on Record
Deed Document Number	20194463499
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004543618
Date	Apr 19, 2022
Instrument	4543618

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 11, 2047

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004498539
Date	Oct 5, 2020
Instrument	4498539

Lender

Name	SAMMAMISH MORTGAGE CO
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	GNW TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004482700
Date	Mar 9, 2020
Instrument	4482700

Lender

Name	SAMMAMISH MORTGAGE CO
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2050

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004492796
Date	Aug 3, 2020
Instrument	4492796

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	299 Months
Due	Jul 13, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 10, 2019
Property Address	5340 E HARBOR RD, FREELAND, WA 98249-9534
Document Number	0004463499
Map Reference	VOL 3 PG 57
Instrument Date	May 2, 2019
Instrument	4463499
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$16,737.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	688 110TH AVE NE APT 1005, 1005, BELLEVUE, WA 98004-8437

Mortgage

Document Number	0004463500
Date	May 10, 2019
Instrument	4463500

Lender

Name	SAMMAMISH MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

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	$9,299.00 (+21.38%)
2025		$1,178,563 (-1.21%) Land $601,000 Building $577,563	$1,178,563 (-1.21%) Land $601,000 Building $577,563
2023	$7,661.00	$1,192,956 (+4.32%) Land $601,000 Building $591,956	$1,192,956 (+4.32%) Land $601,000 Building $591,956
2022		$1,143,548 Land $601,000 Building $542,548	$1,143,548 Land $601,000 Building $542,548

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	Direct burnable vegetation

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 48 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

May also be available: Astound Broadband.

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