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

Island County property record for 691 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,818 sqft · built 1999
Lot Size	0.188 acres (8,166 sqft)
Owner	Individual Name on File
Tax Bill	$4,632 (2026)
Deeds & Mortgages	Jun 2023 Second Mortgage Feb 2022 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00103-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00103-0`
Alternative APN	`759343`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,818 sqft Living Area
Gross Area	2,234 sqft
1st Floor Area	866 sqft
Upper Floors Area	952 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	8,166 sqft (0.188 acres)
Garage Type	Attached
Garage Area	416 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	285 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	691 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 103
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	103
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2026
Census Tract	970401

Owner

691 SW Regency Dr is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	691 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Occupancy	Owner Occupied
Owner Type	Individual

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
Jun 22, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Feb 28, 2022	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Jan 8, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Mar 27, 2018	Deed of Trust, Mortgage · VA Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	691 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Transaction Type	Mortgage
Record Updated	Jul 5, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004561329
Date	Jun 22, 2023
Instrument	4561329

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jul 1, 2043

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	691 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Transaction Type	Mortgage
Record Updated	Mar 4, 2022
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004540480
Date	Feb 28, 2022
Instrument	4540480

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	358 Months
Due	Dec 1, 2051

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	691 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004507674
Date	Jan 8, 2021
Instrument	4507674

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	359 Months
Due	Dec 1, 2050

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	691 SW REGENCY DR, OAK HARBOR, WA 98277-7248
Document Number	0004441890
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 11, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	691 SW REGENCY DR OAK HARBOR WA 982777248, OAK HARBOR, WA 98277-7248

Mortgage

Document Number	0004441890
Date	Apr 3, 2018
Instrument	4441890

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 2, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 691 SW Regency Dr was $4,632.

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	$4,632.00
2025		$506,811 Land $210,000 Building $296,811	$506,811 Land $210,000 Building $296,811
2023	$3,913.00	$469,801 (+7.64%) Land $190,000 Building $279,801	$469,801 (+7.64%) Land $190,000 Building $279,801
2022		$436,450 Land $180,000 Building $256,450	$436,450 Land $180,000 Building $256,450

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

Flood

FEMA maps place 691 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 691 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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