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

Island County property record for 605 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,270 sqft · built 2003
Lot Size	0.051 acres (2,223 sqft)
Owner	2 Individual Names on File
Last Sale	$399,000 (Nov 2024)
Tax Bill	$3,609 (2026)
Deeds & Mortgages	Nov 2024 Sale Nov 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6368-03-00045-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-03-00045-0`
Alternative APN	`803630`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,270 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,270 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,223 sqft (0.051 acres)
Garage Type	Attached
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	476 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	605 NW 12TH LOOP
City	OAK HARBOR
State	WA
Zip	98277-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	CHERRY HILL #3 LOT 45
Legal Subdivision	CHERRY HILL #3
Legal Lot Number	45
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2010
Census Tract	970402

Owner

605 NW 12th Loop is owned by two individuals who bought it in November 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 204, OAK HARBOR, WA 98277-0204
Owner Type	Individual
Vesting	Married Couple

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
Nov 8, 2024	Warranty Deed, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA
Nov 30, 2020	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 19, 2022	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 8, 2024 · Amount on File
Deed Sale	Nov 8, 2024 · Amount on File
Prior Sale	Nov 7, 2011 · Amount on File
Deed Document Number	20244579277
Prior Transfer Date	Sep 2, 2022
Prior Transfer Doc	0004551394
Record Updated	Oct 29, 2026

November 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Nov 8, 2024
Property Address	605 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004579277
Map Reference	VOL 13 PG 220-222
Instrument Date	Nov 5, 2024
Instrument	4579277
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Tax	$6,389.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 204, OAK HARBOR, WA 98277-0204

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	605 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Transaction Type	Mortgage
Record Updated	Sep 8, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004503570
Date	Nov 30, 2020
Instrument	4503570

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

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

September 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Sep 19, 2022
Property Address	605 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004551394
Map Reference	VOL 13 PG 220-222
Instrument Date	Sep 2, 2022
Instrument	4551394
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Tax Assessment & Valuation

The 2026 property tax bill for 605 NW 12th Loop was $3,609, up 8.5% from the year before.

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	$3,609.00 (+8.51%)
2025	$3,326.00	$394,780 Land $140,000 Building $254,780	$394,780 Land $140,000 Building $254,780
2023	$3,505.00	$391,964 (+0.28%) Land $140,000 Building $251,964	$391,964 (+0.28%) Land $140,000 Building $251,964
2022		$390,873 Land $160,000 Building $230,873	$390,873 Land $160,000 Building $230,873

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

Flood

FEMA maps place 605 NW 12th Loop in Zone X, an area of minimal flood risk.

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

Wildfire risk around 605 NW 12th Loop is low, with less than 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 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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