703 SE Ely St, Oak Harbor, WA 98277 Property Records

Island County property record for 703 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,237 sqft · built 1965
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$265,000 (Jun 2017)
Tax Bill	$4,056 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Jun 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R13202-366-1440`

Property Details

APN / Parcel Number

Primary APN	`R13202-366-1440`
Alternative APN	`11873`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,237 sqft Living Area
Gross Area	1,757 sqft
1st Floor Area	1,237 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1986
Exterior Material	Brick Veneer
Foundation Type	Block
Roof Material	Aluminum
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	200 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	703 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-3752
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	168 SUM DC - BG 3630S & 1170E OF NWCR SD DC TPB E150 S90 W150 N90 TPB
Legal Range	1E
Legal Township	32N
Legal Section	02
Legal Subdivision	CW SUMNER DONATION CLAIM
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1006
Census Tract	970700

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	2 Individual Names on Record
Mailing Address	703 SE ELY ST, OAK HARBOR, WA 98277-3752
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO
Jun 13, 2017	Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 13, 2017 · Amount on Record
Deed Sale	Jun 13, 2017 · Amount on Record
Deed Document Number	20174424176
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	703 SE ELY ST, OAK HARBOR, WA 98277-3752
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004497119
Date	Sep 22, 2020
Instrument	4497119

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

June 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 13, 2017
Property Address	703 SE ELY ST, OAK HARBOR, WA 98277-3752
Document Number	0004424176
Instrument Date	Jun 13, 2017
Instrument	4424176
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,722.00
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	703 SE ELY ST, OAK HARBOR, WA 98277-3752

Mortgage

Document Number	0004424177
Date	Jun 13, 2017
Instrument	4424177

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 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	$4,056.00 (+11.12%)
2025		$443,715 (+3.8%) Land $185,000 Building $258,715	$443,715 (+3.8%) Land $185,000 Building $258,715
2023	$3,650.00	$427,485 (+5.01%) Land $180,000 Building $247,485	$427,485 (+5.01%) Land $180,000 Building $247,485
2022		$407,083 Land $180,000 Building $227,083	$407,083 Land $180,000 Building $227,083

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 244 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, Ziply Fiber.

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