732 Greenoch Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 732 Greenoch Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,101 sqft · built 2005
Lot Size	0.87 acres (37,897 sqft)
Owner	2 Individual Names on Record
Last Sale	$407,000 (Jun 2018)
Tax Bill	$4,993 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8415-00-00016-0`

Property Details

APN / Parcel Number

Primary APN	`S8415-00-00016-0`
Alternative APN	`428558`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	2,101 sqft Living Area
Gross Area	2,677 sqft
1st Floor Area	1,055 sqft
Upper Floors Area	1,046 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	37,897 sqft (0.87 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	605 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	732 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 16
Legal Subdivision	WHIDBEY HIGHLANDS
Legal Lot Number	16
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3001
Census Tract	970300

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	732 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2019	Deed of Trust, Mortgage · VA Mortgage ALASKA USA FCU
Jun 26, 2018	Warranty Deed, Transfer · VA Mortgage ALASKA USA FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2018 · Amount on Record
Deed Sale	Jun 26, 2018 · Amount on Record
Prior Sale	Dec 11, 2015 · Amount on Record
Deed Document Number	20184446844
Record Updated	Oct 29, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	732 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Transaction Type	Mortgage
Record Updated	Sep 8, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004476050
Date	Nov 22, 2019
Instrument	4476050

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99503

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2049

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 26, 2018
Property Address	732 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004446844
Map Reference	VOL7 PG76
Instrument Date	Jun 22, 2018
Instrument	4446844
Transaction Type	Transfer
Record Updated	Sep 8, 2022
Title Company	PREMIER TITLE OF ISLAND COUT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$7,249.60
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	732 GREENOCH LOOP, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	0004446845
Date	Jun 26, 2018
Instrument	4446845

Lender

Name	ALASKA USA FCU
Type	Credit Union

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2048

Tax Assessment & Valuation

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	$4,993.00 (+9.74%)
2025		$648,485 (-1.58%) Land $200,000 Building $448,485	$648,485 (-1.58%) Land $200,000 Building $448,485
2023	$4,550.00	$658,885 (+7.14%) Land $200,000 Building $458,885	$658,885 (+7.14%) Land $200,000 Building $458,885
2022		$614,949 Land $200,000 Building $414,949	$614,949 Land $200,000 Building $414,949

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record 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

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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