659 NW 12th Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 659 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,270 sqft · built 2003
Lot Size	0.055 acres (2,375 sqft)
Owner	Individual Name on Record
Last Sale	$285,000 (Dec 2020)
Tax Bill	$3,516 (2026)
Deeds & Mortgages	Sep 2024 Second Mortgage Dec 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6368-03-00042-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-03-00042-0`
Alternative APN	`803627`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,270 sqft Living Area
Gross Area	1,612 sqft
1st Floor Area	1,270 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,375 sqft (0.055 acres)
Garage Type	Attached
Garage Area	342 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	263 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	659 NW 12TH LOOP
City	OAK HARBOR
State	WA
Zip	98277-3803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	CHERRY HILL #3 LOT 42
Legal Subdivision	CHERRY HILL #3
Legal Lot Number	42
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2010
Census Tract	970402

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	659 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 6, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Dec 1, 2020	Warranty Deed, Transfer · Conventional with PMI HOMEFINITY
Jul 16, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2020 · Amount on Record
Deed Sale	Dec 1, 2020 · Amount on Record
Prior Sale	Feb 20, 2007 · Amount on Record
Deed Document Number	20204503860
Prior Transfer Date	Jul 7, 2020
Prior Transfer Doc	0004491351
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	659 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004576708
Date	Sep 6, 2024
Instrument	4576708

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 1, 2039

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 1, 2020
Property Address	659 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004503860
Instrument Date	Nov 23, 2020
Instrument	4503860
Transaction Type	Transfer
Record Updated	Dec 17, 2020
Title Company	CTC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,565.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 2152 OAK HARBOR WA 982776152, OAK HARBOR, WA 98277-6152

Mortgage

Document Number	4503861
Date	Dec 1, 2020
Instrument	4503861

Lender

Name	HOMEFINITY
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 30, 2050

July 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 16, 2020
Property Address	659 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004491351
Instrument Date	Jul 7, 2020
Instrument	4491351
Transaction Type	Transfer
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	659 NW 12TH LOOP OAK HARBOR WA 982773803, OAK HARBOR, WA 98277-3803

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	$3,516.00 (+1.38%)
2025		$384,529 (-0.76%) Land $140,000 Building $244,529	$384,529 (-0.76%) Land $140,000 Building $244,529
2023	$3,468.00	$387,468 (+0.18%) Land $140,000 Building $247,468	$387,468 (+0.18%) Land $140,000 Building $247,468
2022		$386,753 Land $160,000 Building $226,753	$386,753 Land $160,000 Building $226,753

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 473 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, Ziply Fiber.

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