Island County property record for 661 E Crescent Harbor Rd, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,169 sqft · built 2003 |
| Lot Size | 4.58 acres (199,505 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $824,000 (Dec 2023) |
| Tax Bill | $6,400 (2026) |
| Deeds & Mortgages | Nov 2024 Mortgage Apr 2022 Mortgage + 5 more |
| Flood Zone | Zone X (minimal risk) |
| APN | R23332-424-3280 |
| Primary APN | R23332-424-3280 |
|---|---|
| Alternative APN |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 10 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 2,169 sqft Living Area |
| Gross Area | 2,896 sqft |
| 1st Floor Area | 2,169 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Exterior Material | Concrete |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 199,505 sqft (4.58 acres) |
| Garage Type | Attached |
| Garage Area | 727 sqft |
| Parking Spaces | 8 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 557 sqft |
| Storage Building | 260 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 661 E CRESCENT HARBOR RD |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-9145 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20 |
| Legal Description | 56 WALLACE DC - BG NE CR WALLACE DLC S1400 W4903.64 E2849.35 TPB E287.94 N810 W107.14 S85 W180.8 S725 TPB EX RD TGW EZ |
| Legal Range | 2E |
| Legal Township | 33N |
| Legal Section | 32 |
| Legal Subdivision | BAYVIEW ESTATES |
| Legal Lot Number | 10 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 970300 |
661 E Crescent Harbor Rd is owned and occupied by two individuals who bought it in December 2023.
Source: Island County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 13, 2024 | Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP |
| Apr 29, 2022 | Deed of Trust, Mortgage · VA Mortgage NAVY FCU |
| Dec 4, 2023 | Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD |
| Aug 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NETWORK CAPITAL FUNDING CORP |
| Sep 12, 2019 | Deed of Trust, Mortgage · VA Mortgage CALIBER HM LOANS |
| Oct 23, 2018 | Intrafamily Transfer, Transfer · Conventional Mortgage BANNER BANK |
| Feb 1, 2017 | Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 4, 2023 · Amount on File |
| Deed Sale | Dec 4, 2023 · Amount on File |
| Deed Document Number | 20234567256 |
| Prior Transfer Date | Oct 18, 2018 |
| Prior Transfer Doc | 0004453874 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|---|
| Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004579394 |
|---|---|
| Date | Nov 13, 2024 |
| Instrument | 4579394 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | BOCA RATON, FL 33431 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Transaction Type | Mortgage |
| Record Updated | Oct 30, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0004544216 |
|---|---|
| Date | Apr 29, 2022 |
| Instrument | 4544216 |
| Name | NAVY FCU |
|---|---|
| Type | Credit Union |
| Address | VIENNA, VA 22180 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Dec 4, 2023 |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004567256 |
| Instrument Date | Nov 6, 2023 |
| Instrument | 4567256 |
| Transaction Type | Transfer |
| Record Updated | Oct 30, 2025 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $13,727.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004567257 |
|---|---|
| Date | Dec 4, 2023 |
| Instrument | 4567257 |
| Name | ENVOY MORTGAGE LTD |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jan 1, 2054 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0004495056 |
|---|---|
| Date | Aug 28, 2020 |
| Instrument | 4495056 |
| Name | NETWORK CAPITAL FUNDING CORP |
|---|---|
| Type | Mortgage Company |
| Address | 11712 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004471550 |
| Instrument Date | Sep 12, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Sep 27, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 661 E CRESCENT HARBOR RD OAK HARBOR WA 982779145, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004471550 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 4471550 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 17, 2049 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Oct 23, 2018 |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004453874 |
| Instrument Date | Oct 18, 2018 |
| Instrument | 4453874 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | CHICAGO TITLE CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004453875 |
|---|---|
| Date | Oct 23, 2018 |
| Instrument | 4453875 |
| Name | BANNER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Feb 1, 2017 |
| Property Address | 661 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-9145 |
| Document Number | 0004416240 |
| Instrument Date | Jan 31, 2017 |
| Instrument | 4416240 |
| Transaction Type | Transfer |
| Record Updated | Feb 9, 2017 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE CO |
| Amount | Amount on Record |
|---|---|
| Tax | $7,249.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | PO BOX 2940 OAK HARBOR WA 982776940, OAK HARBOR, WA 98277-6940 |
The 2026 property tax bill for 661 E Crescent Harbor Rd was $6,400, up 11.2% from the year before.
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,400.00 (+11.19%) | ||
| 2025 | $5,756.00 | $829,767 Land $300,000 Building $529,767 | $829,767 Land $300,000 Building $529,767 |
| 2023 | $4,561.00 | $713,790 (+16.41%) Land $270,000 Building $443,790 | $713,790 (+16.41%) Land $270,000 Building $443,790 |
| 2022 | $613,146 Land $240,000 Building $373,146 | $613,146 Land $240,000 Building $373,146 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 661 E Crescent Harbor Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2006.
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 27 policies |
| Nearby Flood Policies | 27 in force |
| Nearby Flood Claims | 6 (2006–2022) |
| Claims Outside the SFHA | 1 of 6 |
| Most Recent Claim | Dec 2022 · tidal / storm surge |
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 risk around 661 E Crescent Harbor 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | BAYVIEW ESTATES WATER COMPANY private · serves 227 people · EPA ID WA5304956 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 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.
Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Astound Broadband Fixed Wireless | 1,000 / 250 |
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