647 SE 4th Ave, Oak Harbor, WA 98277 Property Records

Island County property record for 647 SE 4th Ave, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,150 sqft · built 1959
Lot Size	0.2 acres (8,712 sqft)
Owner	Individual Name on File
Last Sale	$380,000 (Jul 2021)
Tax Bill	$3,434 (2026)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Jun 2019 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`R13202-457-2150`

Property Details

APN / Parcel Number

Primary APN	`R13202-457-2150`
Alternative APN	`564437`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,150 sqft Living Area
Gross Area	1,510 sqft
1st Floor Area	1,150 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1980
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	288 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	647 SE 4TH AVE
City	OAK HARBOR
State	WA
Zip	98277-3717
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	123 SUM DC - BG ON SLN RIKSEN AVE 3268.44S & 737.21 W OF NW CR TAFT DC W64 S137 TO NLN PATTONS 1ST ADD E64 N137 TPB FR 457-4590
Legal Range	1E
Legal Township	32N
Legal Section	02
Legal Subdivision	NLN PATTONS 1ST ADD
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1007
Census Tract	970700

Owner

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

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

Owner of Record	Individual Name on File
Mailing Address	2630 THOMAS DR, 1406, EL CENTRO, CA 92243-7524
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2021	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Jun 4, 2019	Intrafamily Transfer, Transfer PREMIER TTL OF ISLAND COUNTY
Jun 4, 2019	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 31, 2017	Deed of Trust, Mortgage · VA Mortgage INTERCAP LNDG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Prior Sale	Jun 4, 2019 · Amount on File
Deed Document Number	20214523637
Prior Transfer Date	Jun 3, 2019
Prior Transfer Doc	0004464804
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 7, 2021
Property Address	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717
Document Number	0004523637
Instrument Date	Jul 7, 2021
Instrument	4523637
Transaction Type	Transfer
Record Updated	Jul 20, 2021
Title Company	CTC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,085.00
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	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717

Mortgage

Document Number	0004523638
Date	Jul 7, 2021
Instrument	4523638

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

June 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Jun 4, 2019
Property Address	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717
Document Number	0004464804
Instrument Date	Jun 3, 2019
Instrument	4464804
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TTL OF ISLAND COUNTY

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
Address	1409 CENTRAL DR, OAK HARBOR, WA 98277-3474

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 4, 2019
Property Address	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717
Document Number	0004464803
Instrument Date	May 30, 2019
Instrument	4464803
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	STEWART TITLE OF ISLAND CNTY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,722.00
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	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717

Mortgage

Document Number	0004464805
Date	Jun 4, 2019
Instrument	4464805

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	647 SE 4TH AVE, OAK HARBOR, WA 98277-3717
Document Number	0004416541
Instrument Date	Jan 31, 2017
Transaction Type	Mortgage
Record Updated	Feb 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	647 SE 4TH AVE OAK HARBOR WA 982773717, OAK HARBOR, WA 98277-3717

Mortgage

Document Number	0004416541
Date	Feb 6, 2017
Instrument	4416541

Lender

Name	INTERCAP LNDG
Address	ALISO VIEJO, CA 92656

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 5, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.25%

Tax Assessment & Valuation

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	$3,434.00 (+12.81%)
2025		$375,558 (+2.74%) Land $180,000 Building $195,558	$375,558 (+2.74%) Land $180,000 Building $195,558
2023	$3,044.00	$365,558 (+7.7%) Land $170,000 Building $195,558	$365,558 (+7.7%) Land $170,000 Building $195,558
2022		$339,437 Land $160,000 Building $179,437	$339,437 Land $160,000 Building $179,437

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

Flood

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
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 244 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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