575 NW 12th Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 575 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,334 sqft · built 2005
Owner	Company Name on Record
Last Sale	$255,000 (Jun 2019)
Tax Bill	$3,510 (2023)
Deeds & Mortgages	Mar 2026 Transfer Jan 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6368-03-00047-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-03-00047-0`
Alternative APN	`803632`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,334 sqft Living Area
1st Floor Area	1,334 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Exterior Material	Other
Foundation Type	Concrete
Roof Material	Asphalt
Garage Type	Attached
Garage Area	344 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	169 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	803632
Street Address	575 NW 12TH LOOP
City	OAK HARBOR
State	WA
Zip	98277-3817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	CHERRY HILL #3 LOT 47
Legal Subdivision	CHERRY HILL 3
Legal Lot Number	47
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2010
Census Tract	970402

Owner

Source: Island County records, as of March 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	575 NW 12TH LOOP, OAK HARBOR, WA 98277-3817
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 12, 2026	Quit Claim Deed, Transfer Quitclaim
Jan 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 18, 2019	Warranty Deed, Transfer · Conventional with PMI QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 18, 2019 · Amount on Record
Deed Sale	Jun 18, 2019 · Amount on Record
Prior Sale	Jun 18, 2019 · Amount on Record
Deed Document Number	0004465630
Last Transfer Date	Mar 12, 2026
Transfer Doc	0004597920
Record Updated	Jun 8, 2026

March 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 12, 2026
Property Address	575 NW 12TH LOOP, OAK HARBOR, WA 98277-3817
Document Number	0004597920
Instrument Date	Feb 23, 2026
Instrument	4597920
Transaction Type	Transfer
Record Updated	Mar 23, 2026

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	575 NW 12TH LOOP, OAK HARBOR, WA 98277-3817

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	575 NW 12TH LOOP, OAK HARBOR, WA 98277-3817
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004508507
Date	Jan 20, 2021
Instrument	4508507

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 18, 2019
Property Address	575 NW 12TH LOOP, OAK HARBOR, WA 98277-3817
Document Number	0004465630
Instrument Date	Jun 5, 2019
Instrument	4465630
Transaction Type	Transfer
Record Updated	Jul 1, 2019
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	575 NW 12TH LOOP OAK HARBOR WA 982773817, OAK HARBOR, WA 98277-3817

Mortgage

Document Number	4465631
Date	Jun 18, 2019
Instrument	4465631

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 17, 2049

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$392,606 (-) Land $140,000 Building $252,606	$392,606 (-) Land $140,000 Building $252,606
2023	$3,510.00	$392,606 (+0.3%) Land $140,000 Building $252,606	$392,606 (+0.3%) Land $140,000 Building $252,606
2022		$391,425 Land $160,000 Building $231,425	$391,425 Land $160,000 Building $231,425

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.4% 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.

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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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