615 E Crescent Harbor Rd, Oak Harbor, WA 98277 Property Records

Island County property record for 615 E Crescent Harbor Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,216 sqft · built 1905
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on File
Last Sale	$375,000 (Sep 2017)
Tax Bill	$4,578 (2026)
Deeds & Mortgages	Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R23332-410-2650`

Property Details

APN / Parcel Number

Primary APN	`R23332-410-2650`
Alternative APN	`510263`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,216 sqft Living Area
Gross Area	1,336 sqft
1st Floor Area	1,216 sqft
Flooring	Wood
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1980
Exterior Material	Concrete
Foundation Type	Block
Roof Material	Aluminum
Lot Area	118,919 sqft (2.73 acres)
Garage Type	Detached
Garage Area	2,800 sqft
Parking Spaces	10 Parking Spaces
Porch	Enclosed Porch
Porch Area	844 sqft
Storage Building	2,800 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Street Address	615 E CRESCENT HARBOR RD
City	OAK HARBOR
State	WA
Zip	98277-9145
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	IN WALLACE DC BG NECR SEC 32 N88W1228.50 S0W1400 .51TO NLN USA PROPERTY N88W1473.26TPB N1E240 S88E150 N1E169 S88E125 S1W409 N88W275TPB EX CO RD TGW BG NECR SEC 32 S0W1400 TO NLN USA PROP N88W4903.64TO NECR MOUNT DC S88E1854.24TO
Legal Subdivision	IN WALLACE DC
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	4
Census Block	4010
Census Tract	970300

Owner

615 E Crescent Harbor Rd is owned and occupied by two individuals who bought it in September 2017.

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

Owner of Record	2 Individual Names on File
Mailing Address	615 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145
Occupancy	Owner Occupied
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2017 · Amount on File
Deed Sale	Sep 29, 2017 · Amount on File
Deed Document Number	20174431090
Record Updated	Oct 29, 2026

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 29, 2017
Property Address	615 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145
Document Number	0004431090
Instrument Date	Sep 7, 2017
Instrument	4431090
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,680.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	615 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145

Mortgage

Document Number	0004431091
Date	Sep 29, 2017
Instrument	4431091

Lender

Name	WASHINGTON FEDERAL NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 615 E Crescent Harbor Rd was $4,578.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,578.00
2025		$591,053 Land $290,000 Building $301,053	$591,053 Land $290,000 Building $301,053
2023	$3,589.00	$587,461 (+22.24%) Land $280,000 Building $307,461	$587,461 (+22.24%) Land $280,000 Building $307,461
2022		$480,597 Land $220,000 Building $260,597	$480,597 Land $220,000 Building $260,597

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

Flood

FEMA maps place 615 E Crescent Harbor Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2006.

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
Flood Insurance Cost	Premium on File median of 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	6 (2006–2022)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2022 · tidal / storm surge

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 615 E Crescent Harbor Rd 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	BAYVIEW ESTATES WATER COMPANY private · serves 227 people · EPA ID WA5304956
Water Source	Groundwater
Last State Inspection	Mar 2024
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	1 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.

Internet Providers

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Astound Broadband Fixed Wireless	1,000 / 250