735 Greenoch Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 735 Greenoch Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,601 sqft · built 1979
Lot Size	0.403 acres (17,598 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,900 (Jun 2018)
Tax Bill	$3,272 (2023)
Deeds & Mortgages	Jun 2021 Mortgage Jun 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8415-00-00028-0`

Property Details

APN / Parcel Number

Primary APN	`S8415-00-00028-0`
Alternative APN	`428674`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,601 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	1,601 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1979
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	17,598 sqft (0.403 acres)
Garage Type	Attached
Garage Area	459 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	628 sqft

Utilities, Heating & Cooling

Heating Fuel	Electric

Location & Zoning

Account Number	428674
Street Address	735 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 28
Legal Subdivision	WHIDBEY HI
Legal Lot Number	28
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3007
Census Tract	970300

Owner

Source: Island County records, as of October 29, 2025

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

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Jun 22, 2018	Warranty Deed, Transfer · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2018 · Amount on Record
Deed Sale	Jun 22, 2018 · Amount on Record
Deed Document Number	4446597
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	735 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004522262
Date	Jun 21, 2021
Instrument	4522262

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 22, 2018
Property Address	735 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004446597
Instrument Date	Jun 19, 2018
Instrument	4446597
Transaction Type	Transfer
Record Updated	Jul 4, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,521.22
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	735 GREENOCH LOOP OAK HARBOR WA 982779435, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	4446598
Date	Jun 22, 2018
Instrument	4446598

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 21, 2048

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$459,451 (-0.56%) Land $200,000 Building $259,451	$459,451 (-0.56%) Land $200,000 Building $259,451
2023	$3,272.00	$462,043 (+4.89%) Land $200,000 Building $262,043	$462,043 (+4.89%) Land $200,000 Building $262,043
2022		$440,515 Land $200,000 Building $240,515	$440,515 Land $200,000 Building $240,515

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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