581 Harborview Ln, Orcas, WA 98280 Property Records

San Juan County property record for 581 Harborview Ln, Orcas, WA 98280

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 3,142 sqft · built 1999
Lot Size	2.21 acres (96,268 sqft)
Owner	2 Individual Names on File
Tax Bill	$11,714 (2023)
Deeds & Mortgages	Oct 2021 Mortgage May 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`260733-005-000`

Property Details

APN / Parcel Number

Primary APN	`260733-005-000`
Alternative APN	`8777`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	12 Plumbing Fixtures
Stories	1 Story
Building Area	3,142 sqft Living Area
Gross Area	4,488 sqft
1st Floor Area	1,796 sqft
Basement Area	1,346 sqft
Finished Basement	1,346 sqft
Flooring	Wood
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Stucco
Lot Area	96,268 sqft (2.21 acres)
Terrain	Wooded
Garage Type	Detached
Deck Area	973 sqft
Patio Area	1,830 sqft

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Radiant
Heating Fuel	Electric
Sewer	Connected

Location & Zoning

Account Number	8777
Street Address	581 HARBORVIEW LN
City	ORCAS
State	WA
Zip	98280
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ALTA MADRONA SHORT PLAT - PR LOT 2 TGW SHORELINE COMMON AREA ESMT SEC 07, T 36N, R 2W
Legal Range	02W
Legal Township	36N
Legal Section	07
Legal Subdivision	ALTA MADRONA
Legal Lot Number	2
Jurisdiction	SAN JUAN WA
Township / Civil Division	ORCAS
Census Block Group	2
Census Block	2007
Census Tract	960103

Owner

581 Harborview Ln, a single family home, is owned by two individuals.

Source: San Juan County records, as of May 24, 2023

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 130, DEER HARBOR, WA 98243-0130
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage BOEING EMPLOYEES CU
May 24, 2021	Deed of Trust, Mortgage · ARM BOEING EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 7, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	581 HARBORVIEW LN, ORCAS, WA 98280
Transaction Type	Mortgage
Record Updated	Oct 13, 2021
Title Company	SAN JUAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001004007
Date	Oct 4, 2021
Instrument	2021-1004007

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98168

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	2.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Oct 1, 2031
Change Frequency	Annually
Min Rate At Change	3%
Max Rate At Change	4.62%
Index	Other
Margin	3
Max Rate	7.62%

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	581 HARBORVIEW LN, ORCAS, WA 98280
Transaction Type	Mortgage
Record Updated	Jun 9, 2021
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000524001
Date	May 24, 2021
Instrument	2021-0524001

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98168

Agreement

Type	ARM
Amount	Amount on Record
Term	360 Months
Due	May 1, 2051

Interest

Rate Type	Adjustable Rate
Rate	3%
Adjustable	Adjustable Rate Rider
Type Change Date	May 1, 2031
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	5%
Index	Other
Margin	3
Max Rate	8%

Tax Assessment & Valuation

Source: San Juan County assessment roll, as of May 31, 2022

Property Jurisdictions

Type	Name
State	Washington
County	San Juan County
Unified School District	Orcas Island School District (KG - 12)

Flood

FEMA maps place 581 Harborview Ln in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 6, 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
Nearby Flood Policies	4 in force
Nearby Flood Claims	1 (2022)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2022 · rainfall accumulation

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

Wildfire risk around 581 Harborview Ln is low, with a 0.01% annual chance of 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Rock Island Communications Fiber	2,000 / 2,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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