724 Greenoch Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 724 Greenoch Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 3,268 sqft · built 1994
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on File
Last Sale	$762,000 (Nov 2025)
Tax Bill	$5,871 (2026)
Deeds & Mortgages	Nov 2021 Mortgage Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8415-00-00018-0`

Property Details

APN / Parcel Number

Primary APN	`S8415-00-00018-0`
Alternative APN	`428576`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	18 Plumbing Fixtures
Stories	1 Story
Building Area	3,268 sqft Living Area
Gross Area	3,908 sqft
1st Floor Area	1,516 sqft
Upper Floors Area	1,752 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Concrete
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Attached
Garage Area	640 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	608 sqft
Storage Building	228 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	724 GREENOCH LOOP
City	OAK HARBOR
State	WA
Zip	98277-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	WHIDBEY HIGHLANDS LOT 18
Legal Subdivision	WHIDBEY HIGHLANDS
Legal Lot Number	18
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3001
Census Tract	970300

Owner

724 Greenoch Loop is owned by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	4121 NOBLE PL, OAK HARBOR, WA 98277-9405
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
Nov 8, 2021	Deed of Trust, Mortgage · VA Mortgage PEOPLES BANK
Nov 26, 2025	Warranty Deed, Transfer · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 26, 2025 · Amount on File
Deed Sale	Nov 26, 2025 · Amount on File
Prior Sale	Aug 28, 2015
Deed Document Number	20254593900
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	724 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004533267
Date	Nov 8, 2021
Instrument	4533267

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2051

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Nov 26, 2025
Property Address	724 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004593900
Map Reference	VOL 7 PG 76
Instrument Date	Nov 10, 2025
Instrument	4593900
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	UNKNOWN, LT

Transaction

Amount	Amount on Record
Tax	$2,623.60
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	4121 NOBLE PL, OAK HARBOR, WA 98277-9405

Mortgage

Document Number	0004593901
Date	Nov 26, 2025
Instrument	4593901

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 724 Greenoch Loop was $5,871.

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,871.00
2025		$763,610 Land $200,000 Building $563,610	$763,610 Land $200,000 Building $563,610
2023	$5,296.00	$777,834 (+8.51%) Land $200,000 Building $577,834	$777,834 (+8.51%) Land $200,000 Building $577,834
2022		$716,820 Land $200,000 Building $516,820	$716,820 Land $200,000 Building $516,820

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

Flood

FEMA maps place 724 Greenoch Loop in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.

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 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	2 (1997)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Jan 1997 · Severe Winter Storms, Land & Muds Slides,flooding
Claims by Event	Severe Winter Storms, Land & Muds Slides,flooding, Jan 1997 · 2 claims

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 724 Greenoch Loop 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	Direct burnable vegetation

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	WHIDBEY HIGHLANDS WATER ASSOC private · serves 62 people · EPA ID WA5396050
Water Source	Groundwater
Last State Inspection	Apr 2025
Lead	1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	3 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 31 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: Astound Broadband.

Cell Coverage

4G LTE (outdoors only), no 5G reported

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