677 SW Regency Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 677 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,324 sqft · built 1999
Lot Size	0.186 acres (8,088 sqft)
Owner	2 Individual Names on File
Last Sale	$435,000 (Feb 2023)
Tax Bill	$4,110 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00102-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00102-0`
Alternative APN	`759334`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,324 sqft Living Area
Gross Area	1,730 sqft
1st Floor Area	1,324 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,088 sqft (0.186 acres)
Garage Type	Attached
Garage Area	406 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	677 SW REGENCY DR
City	OAK HARBOR
State	WA
Zip	98277-7248
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	SHANNON FOREST #3 LOT 102
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	102
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2026
Census Tract	970401

Owner

677 SW Regency Dr is owned and occupied by two individuals who bought it in February 2023.

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

Owner of Record	2 Individual Names on File
Mailing Address	677 SW REGENCY DR, OAK HARBOR, WA 98277-7248
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.

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2023	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Sep 14, 2017	Warranty Deed, Transfer · VA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 23, 2023 · Amount on File
Deed Sale	Feb 23, 2023 · Amount on File
Prior Sale	Sep 14, 2017 · Amount on File
Deed Document Number	20234556976
Prior Transfer Date	Oct 26, 2017
Prior Transfer Doc	0004432955
Record Updated	Oct 29, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Feb 23, 2023
Property Address	677 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Document Number	0004556976
Map Reference	VOL 13 PG 163&164
Instrument Date	Feb 15, 2023
Instrument	4556976
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,965.00
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	677 SW REGENCY DR, OAK HARBOR, WA 98277-7248

Mortgage

Document Number	0004556977
Date	Feb 23, 2023
Instrument	4556977

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2053

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 14, 2017
Property Address	677 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Document Number	0004430082
Map Reference	DOC20002878
Instrument Date	Sep 8, 2017
Instrument	4430082
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE ISLAND COUNTY

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,078.00
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	677 SW REGENCY DR, OAK HARBOR, WA 98277-7248

Mortgage

Document Number	0004430083
Date	Sep 14, 2017
Instrument	4430083

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 677 SW Regency Dr was $4,110.

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	$4,110.00
2025		$449,661 Land $210,000 Building $239,661	$449,661 Land $210,000 Building $239,661
2023	$3,631.00	$435,561 (+7.54%) Land $190,000 Building $245,561	$435,561 (+7.54%) Land $190,000 Building $245,561
2022		$405,029 Land $180,000 Building $225,029	$405,029 Land $180,000 Building $225,029

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

Flood

FEMA maps place 677 SW Regency Dr in Zone X, an area of minimal flood risk.

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 14 policies
Nearby Flood Policies	14 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 677 SW Regency Dr 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	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 281 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, T-Mobile, Ziply Fiber.

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