645 Sutton Rd, Friday Harbor, WA 98250 Property Records

San Juan County property record for 645 Sutton Rd, Friday Harbor, WA 98250

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,083 sqft · built 1979
Lot Size	1.03 acres (44,867 sqft)
Owner	Individual Name on File
Tax Bill	$3,664 (2023)
Deeds & Mortgages	Oct 2018 Mortgage Oct 2018 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`350250-038-000`

Property Details

APN / Parcel Number

Primary APN	`350250-038-000`
Alternative APN	`13161`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,083 sqft Living Area
Gross Area	2,329 sqft
1st Floor Area	1,407 sqft
Attic Area	260 sqft
Flooring	Tile
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Architectural Style	Other
Exterior Material	Wood
Lot Area	44,867 sqft (1.03 acres)
Terrain	Other
Garage Area	662 sqft
Driveway	Driveway
Driveway Area	2,400 sqft

Exterior Amenities

Deck Area	284 sqft
Patio Area	508 sqft
Outdoor Kitchen / BBQ	Outdoor Kitchen / BBQ
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	Fan Cooling
Heating System	Heat Pump
Sewer	Connected

Location & Zoning

Account Number	13161
Street Address	645 SUTTON RD
City	FRIDAY HARBOR
State	WA
Zip	98250-8948
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIVERSITY HEIGHTS DIV 1 LT 38 & POR LT 39 SEC 02, T 35N, R 3W
Legal Range	03W
Legal Township	35N
Legal Section	02
Legal Subdivision	UNIVERSITY HEIGHTS DIV
Legal Lot Number	38-39
Jurisdiction	SAN JUAN WA
Township / Civil Division	SAN JUAN ISLAND
Census Block Group	1
Census Block	1060
Census Tract	960301

Owner

645 Sutton Rd is owned and occupied by an individual who acquired it in May 2016.

Source: San Juan County records, as of October 30, 2023

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	645 SUTTON RD, FRIDAY HARBOR, WA 98250-8948
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

Date	Document
Oct 1, 2018	Deed of Trust, Mortgage · Commercial Mortgage ISLANDERS BANK
Oct 5, 2018	Deed of Trust, Mortgage · Commercial Mortgage ISLANDERS BANK
Oct 18, 2018	Deed of Trust, Mortgage · Commercial Mortgage ISLANDERS BANK
Oct 30, 2019	Loan Modification, Mortgage · Conventional Mortgage ISLANDERS BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 3, 2016
Deed Sale	May 3, 2016
Prior Sale	Mar 16, 2012 · Amount on File
Deed Document Number	2016-0503009
Record Updated	Jun 7, 2026

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	645 SUTTON RD, FRIDAY HARBOR, WA 98250-8948
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001001010
Date	Oct 1, 2018
Instrument	2018-1001010

Lender

Name	ISLANDERS BANK
Type	Bank
Address	FRIDAY HARBOR, WA 98250

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	645 SUTTON RD, FRIDAY HARBOR, WA 98250-8948
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001005005
Date	Oct 5, 2018
Instrument	2018-1005005

Lender

Name	ISLANDERS BANK
Type	Bank
Address	FRIDAY HARBOR, WA 98250

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SAN JUAN WA
Property Address	645 SUTTON RD, FRIDAY HARBOR, WA 98250-8948
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001018015
Date	Oct 18, 2018
Instrument	2018-1018015

Lender

Name	ISLANDERS BANK
Type	Bank
Address	FRIDAY HARBOR, WA 98250

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

October 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SAN JUAN WA
Property Address	645 SUTTON RD, FRIDAY HARBOR, WA 98250-8948
Document Number	0001031021
Instrument Date	Oct 30, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	645 SUTTON RD FRIDAY HARBOR WA 982508948, FRIDAY HARBOR, WA 98250-8948

Mortgage

Document Number	0001031021
Date	Oct 31, 2019
Instrument	1031021

Lender

Name	ISLANDERS BK
Type	Bank
Address	FRIDAY HARBOR, WA 98250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

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	San Juan Island School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2023	$3,664.00
2022		$577,200 Land $127,050 Building $450,150	$577,200 Land $127,050 Building $450,150

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

Flood

FEMA maps place 645 Sutton Rd in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

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 645 Sutton 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	Direct burnable vegetation

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	UNIVERSITY HEIGHTS private · serves 76 people · EPA ID WA5390543
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	2 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	26 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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	10 / 1

May also be available: Rock Island Communications.

Cell Coverage

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

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