560 SE 5th Ave, Oak Harbor, WA 98277 Property Records

Island County property record for 560 SE 5th Ave, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,130 sqft · built 1955
Lot Size	0.208 acres (9,048 sqft)
Owner	Individual Name on File
Last Sale	$255,000 (Jul 2017)
Tax Bill	$895 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S7690-01-00003-0`

Property Details

APN / Parcel Number

Primary APN	`S7690-01-00003-0`
Alternative APN	`345763`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,130 sqft Living Area
1st Floor Area	1,130 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1980
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Aluminum
Lot Area	9,048 sqft (0.208 acres)
Garage Type	Detached
Garage Area	936 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	24 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Oil

Location & Zoning

Street Address	560 SE 5TH AVE
City	OAK HARBOR
State	WA
Zip	98277-3724
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	PATTONS 1ST ADD LOT 3
Legal Subdivision	PATTONS 1ST ADD
Legal Lot Number	3
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1007
Census Tract	970700

Owner

560 SE 5th Ave is owned and occupied by an individual who bought it in July 2017.

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	Individual Name on File
Mailing Address	560 SE 5TH AVE, OAK HARBOR, WA 98277-3724
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 23, 2020	Deed of Trust, Mortgage · VA Mortgage UNITED WHOLESALE MORTGAGE
Jul 21, 2017	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2017 · Amount on File
Deed Sale	Jul 21, 2017 · Amount on File
Prior Sale	Jul 27, 2011 · Amount on File
Deed Document Number	20174426634
Prior Transfer Date	Oct 20, 2003
Prior Transfer Doc	0004081022
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	560 SE 5TH AVE, OAK HARBOR, WA 98277-3724
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004483425
Date	Mar 23, 2020
Instrument	4483425

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2050

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 21, 2017
Property Address	560 SE 5TH AVE, OAK HARBOR, WA 98277-3724
Document Number	0004426634
Map Reference	VOL4 PG57
Instrument Date	Jul 20, 2017
Instrument	4426634
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND TITLE & ESCROW ISLAND

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,544.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	560 SE 5TH AVE, OAK HARBOR, WA 98277-3724

Mortgage

Document Number	0004426635
Date	Jul 21, 2017
Instrument	4426635

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2047

Tax Assessment & Valuation

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Oak Harbor City
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$895.00 (-73.07%)
2025		$409,563 (+2.5%) Land $180,000 Building $229,563	$409,563 (+2.5%) Land $180,000 Building $229,563
2023	$3,323.00	$399,563 (+7.81%) Land $170,000 Building $229,563	$399,563 (+7.81%) Land $170,000 Building $229,563
2022		$370,630 Land $160,000 Building $210,630	$370,630 Land $160,000 Building $210,630

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

Flood

FEMA maps place 560 SE 5th Ave in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

The area around 560 SE 5th Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) 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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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