65 Torrence Ln, Oak Harbor, WA 98277 Property Records

Island County property record for 65 Torrence Ln, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,160 sqft · built 1985
Lot Size	4.7 acres (204,732 sqft)
Owner	Individual Name on Record
Last Sale	$390,000 (Jan 2022)
Tax Bill	$4,698 (2026)
Deeds & Mortgages	May 2026 Line of Credit Mar 2023 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8420-00-00007-0`

Property Details

APN / Parcel Number

Primary APN	`S8420-00-00007-0`
Alternative APN	`428790`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,160 sqft Living Area
1st Floor Area	2,160 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1987
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	204,732 sqft (4.7 acres)
Garage Type	Detached
Garage Area	288 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	128 sqft
Storage Building	864 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	65 TORRENCE LN
City	OAK HARBOR
State	WA
Zip	98277-9114
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	WHID PK LOT 7
Legal Subdivision	WHID PK
Legal Lot Number	7
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2018
Census Tract	970300

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	65 TORRENCE LN, OAK HARBOR, WA 98277-9114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Line of Credit LENDAGE LLC
Mar 29, 2023	Deed of Trust, Mortgage · Line of Credit WASHINGTON STATE EMPLOYEES CU
Jan 25, 2022	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Deed Document Number	20224538498
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	May 28, 2026
Property Address	65 TORRENCE LN, OAK HARBOR, WA 98277-9114
Document Number	0004601163
Instrument Date	May 5, 2026
Instrument	20264601163
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	65 TORRENCE LN, OAK HARBOR, WA 98277-9114

Mortgage

Document Number	0004601163,
Date	May 28, 2026
Instrument	20264601163

Lender

Name	LENDAGE LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	8.63%
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	65 TORRENCE LN, OAK HARBOR, WA 98277-9114
Transaction Type	Mortgage
Record Updated	Apr 4, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004558228
Date	Mar 29, 2023
Instrument	4558228

Lender

Name	WASHINGTON STATE EMPLOYEES CU
Type	Credit Union
Address	OLYMPIA, WA 98501

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Apr 10, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 25, 2022
Property Address	65 TORRENCE LN, OAK HARBOR, WA 98277-9114
Document Number	0004538498
Map Reference	VOL 11 PG 20
Instrument Date	Jan 21, 2022
Instrument	4538498
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,245.00
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	65 TORRENCE LN, OAK HARBOR, WA 98277-9114

Mortgage

Document Number	0004538499
Date	Jan 25, 2022
Instrument	4538499

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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	$4,698.00 (+8.35%)
2025	$4,336.00 (+9%)	$606,809 (+8.35%) Land $300,000 Building $306,809	$606,809 (+8.35%) Land $300,000 Building $306,809
2023	$3,978.00	$560,066 (+4.94%) Land $240,000 Building $320,066	$560,066 (+4.94%) Land $240,000 Building $320,066
2022		$533,686 Land $240,000 Building $293,686	$533,686 Land $240,000 Building $293,686

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	2 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Astound Broadband Fixed Wireless	1,000 / 250
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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