620 Spitfire Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 620 Spitfire Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,512 sqft · built 1983
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$193,280 (Jun 2012)
Tax Bill	$3,265 (2026)
Deeds & Mortgages	May 2026 Mortgage Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R23320-173-2760`

Property Details

APN / Parcel Number

Primary APN	`R23320-173-2760`
Alternative APN	`102230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,512 sqft Living Area
1st Floor Area	1,512 sqft
Flooring	Carpet
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Mobile Home
Exterior Material	Aluminum/Vinyl
Foundation Type	Slab (Mat/Raft)
Roof Type	Flat
Roof Material	Aluminum
Lot Area	217,800 sqft (5 acres)
Garage Type	Detached
Garage Area	1,080 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	396 sqft

Utilities, Heating & Cooling

Cooling System	Evaporative
Heating Fuel	Electric

Location & Zoning

Street Address	620 SPITFIRE LN
City	OAK HARBOR
State	WA
Zip	98277-9105
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	20
Legal Description	80 - W/2 SW NW SE TGW & SUB EZS
Legal Range	2E
Legal Township	33N
Legal Section	20
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3009
Census Tract	970300

Owner

620 Spitfire Ln, a mobile home, is owned and occupied by two individuals who acquired it in June 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	620 SPITFIRE LN, OAK HARBOR, WA 98277-9105
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

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
May 19, 2026	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CTR
Jan 12, 2022	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 25, 2012 · Amount on File
Deed Sale	Jun 25, 2012 · Amount on File
Deed Document Number	20124317809
Last Transfer Date	Jun 27, 2025
Transfer Doc	0004587935
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	May 19, 2026
Property Address	620 SPITFIRE LN, OAK HARBOR, WA 98277-9105
Document Number	0004600769
Instrument Date	May 15, 2026
Instrument	20264600769
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	BOSTON NATIONAL TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	620 SPITFIRE LN, OAK HARBOR, WA 98277-9105

Mortgage

Document Number	0004600769,
Date	May 19, 2026
Instrument	20264600769

Lender

Name	MORTGAGE RESEARCH CTR

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	620 SPITFIRE LN, OAK HARBOR, WA 98277-9105
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004537789
Date	Jan 12, 2022
Instrument	4537789

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Feb 1, 2042

Tax Assessment & Valuation

The 2026 property tax bill for 620 Spitfire Ln was $3,265, up 13.1% from the year before.

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	$3,265.00 (+13.05%)
2025	$2,888.00	$419,016 Land $300,000 Building $119,016	$419,016 Land $300,000 Building $119,016
2023	$2,498.00	$381,604 (+15.06%) Land $270,000 Building $111,604	$381,604 (+15.06%) Land $270,000 Building $111,604
2022		$331,643 Land $240,000 Building $91,643	$331,643 Land $240,000 Building $91,643

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

Flood

FEMA maps place 620 Spitfire Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Winter Storms, Land & Muds Slides,flooding
Claims by Event	Severe Winter Storms, Land & Muds Slides,flooding, Jan 1997 · 2 claims

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 620 Spitfire 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 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Cable	1,500 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

Cell Coverage

4G LTE (outdoors only), no 5G reported

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