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

Island County property record for 693 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,249 sqft · built 2005
Lot Size	0.052 acres (2,245 sqft)
Owner	Company Name on Record
Last Sale	$229,000 (Jun 2017)
Tax Bill	$463 (2026)
Deeds & Mortgages	Mar 2020 Line of Credit Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S6368-03-00040-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-03-00040-0`
Alternative APN	`803625`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,249 sqft Living Area
Gross Area	1,757 sqft
1st Floor Area	1,249 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,245 sqft (0.052 acres)
Garage Type	Attached
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	693 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 40 AS AMENDED BY OH-BLA BND 05-00001 AF#4125009 (OFFICE DESC - LOT 40 TGW PT TR A DESC BG SWCR LOT 40 S88E38 TO SECR LOT 40 S1W2 N88W38 N1E2 TPB)
Legal Subdivision	CHERRY HILL #3
Legal Tract	A
Legal Lot Number	40
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	Company Name on Record
Mailing Address	693 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Mar 16, 2020	Deed of Trust, Mortgage · Line of Credit NAVY FCU
Jun 26, 2017	Warranty Deed, Transfer · Conventional Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 26, 2017 · Amount on Record
Deed Sale	Jun 26, 2017 · Amount on Record
Prior Sale	Feb 23, 2005 · Amount on Record
Deed Document Number	20174424938
Record Updated	Oct 29, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	693 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004486154
Instrument Date	Mar 16, 2020
Transaction Type	Mortgage
Record Updated	Jun 12, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	693 NW 12TH LOOP OAK HARBOR WA 982773803, OAK HARBOR, WA 98277-3803

Mortgage

Document Number	0004486154
Date	May 6, 2020
Instrument	4486154

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	May 5, 2060

Interest

Rate Type	Adjustable Rate

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 26, 2017
Property Address	693 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004424938
Instrument Date	Jun 22, 2017
Instrument	4424938
Transaction Type	Transfer
Record Updated	Jul 13, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,081.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	693 NW 12TH LOOP OAK HARBOR WA 982773803, OAK HARBOR, WA 98277-3803

Mortgage

Document Number	4424939
Date	Jun 26, 2017
Instrument	4424939

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 25, 2047

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	$463.00 (-41.02%)
2025		$395,283 (-) Land $140,000 Building $255,283	$395,283 (-) Land $140,000 Building $255,283
2023	$785.00 Senior Citizen's exemption	$395,283 (+0.36%) Land $140,000 Building $255,283	$395,283 (+0.36%) Land $140,000 Building $255,283
2022		$393,864 Land $160,000 Building $233,864	$393,864 Land $160,000 Building $233,864

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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