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

Island County property record for 696 NW 12th Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,263 sqft · built 2002
Lot Size	0.048 acres (2,071 sqft)
Owner	2 Individual Names on File
Last Sale	$248,000 (Dec 2018)
Tax Bill	$1,741 (2026)
Deeds & Mortgages	May 2024 Mortgage Apr 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6368-03-00053-0`

Property Details

APN / Parcel Number

Primary APN	`S6368-03-00053-0`
Alternative APN	`803638`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Building Area	1,263 sqft Living Area
Gross Area	1,599 sqft
1st Floor Area	1,263 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	2,071 sqft (0.048 acres)
Garage Type	Attached
Garage Area	336 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	218 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	696 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 53
Legal Subdivision	CHERRY HILL #3
Legal Lot Number	53
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2007
Census Tract	970402

Owner

696 NW 12th Loop is owned and occupied by two individuals who bought it in December 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
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
May 20, 2024	Deed of Trust, Mortgage TAMARA MH ENCINAS
Apr 17, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Dec 21, 2018	Warranty Deed, Transfer · Conventional Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 21, 2018 · Amount on File
Deed Sale	Dec 21, 2018 · Amount on File
Deed Document Number	20184456888
Record Updated	Oct 29, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803

Mortgage

Document Number	0004572464
Date	May 20, 2024
Instrument	4572464

Lender

Name	TAMARA MH ENCINAS
Type	Private Party
Address	630 SW FOUNDERS DR, OAK HARBOR, WA 98277

Agreement

Amount	Amount on Record

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004484966
Date	Apr 17, 2020
Instrument	4484966

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 21, 2018
Property Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803
Document Number	0004456888
Map Reference	VOL13 PG220-222
Instrument Date	Dec 20, 2018
Instrument	4456888
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND TITLE & ESCROW OF ISLAN

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,419.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	696 NW 12TH LOOP, OAK HARBOR, WA 98277-3803

Mortgage

Document Number	0004456889
Date	Dec 21, 2018
Instrument	4456889

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 696 NW 12th Loop was $1,741 with a senior citizen's exemption.

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	$1,741.00
2025		$381,669 Land $140,000 Building $241,669	$381,669 Land $140,000 Building $241,669
2023	$3,420.00	$381,669 (+0.05%) Land $140,000 Building $241,669	$381,669 (+0.05%) Land $140,000 Building $241,669
2022		$381,469 Land $160,000 Building $221,469	$381,469 Land $160,000 Building $221,469

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

Flood

FEMA maps place 696 NW 12th Loop in Zone X, an area of minimal flood risk.

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

Wildfire risk around 696 NW 12th Loop is low, with less than 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 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.

Nearby Properties on NW 12th Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures