741 Greenoch Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 741 Greenoch Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.5 ba · 1,868 sqft · built 2005
Lot Size	0.4 acres (17,424 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (Nov 2007)
Tax Bill	$3,750 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Second Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S8415-00-00026-0`

Property Details

APN / Parcel Number

Primary APN	`S8415-00-00026-0`
Alternative APN	`428656`

Interior

Bedrooms	2 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	13 Plumbing Fixtures
Stories	2 Stories
Building Area	1,868 sqft Living Area
Gross Area	2,386 sqft
1st Floor Area	1,183 sqft
Upper Floors Area	688 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Concrete
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	518 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	232 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	741 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 26
Legal Subdivision	WHIDBEY HIGHLANDS
Legal Lot Number	26
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 June 23, 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	741 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 5, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC
Jan 11, 2021	Deed of Trust, Mortgage · VA Mortgage QUICKEN LOANS LLC
Dec 26, 2019	Deed of Trust, Mortgage · VA Mortgage LENOX FINANCIAL MORTGAGE CORP
Nov 16, 2018	Deed of Trust, Mortgage · VA Mortgage NAVY FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 16, 2007 · Amount on Record
Deed Sale	Nov 16, 2007 · Amount on Record
Prior Sale	Apr 15, 2005 · Amount on Record
Deed Document Number	20074216336
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	Jun 15, 2026
Property Address	741 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004601793
Instrument Date	Jun 10, 2026
Instrument	20264601793
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	741 GREENOCH LOOP, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	0004601793,
Date	Jun 15, 2026
Instrument	20264601793

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	741 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Transaction Type	Mortgage
Record Updated	Dec 16, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004594231
Date	Dec 5, 2025
Instrument	4594231

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	741 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	0004507807
Date	Jan 11, 2021
Instrument	4507807

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Dec 1, 2050

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	741 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	0004478188
Date	Dec 26, 2019
Instrument	4478188

Lender

Name	LENOX FINANCIAL MORTGAGE CORP
Type	Mortgage Company
Address	SANTA ANA, CA 92707

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	741 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004456782
Instrument Date	Nov 16, 2018
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	741 GREENOCH LOOP OAK HARBOR WA 982779435, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	0004456782
Date	Dec 19, 2018
Instrument	4456782

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 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
2025	$3,750.00 (+0.59%)	$526,593 (-1.49%) Land $200,000 Building $326,593	$526,593 (-1.49%) Land $200,000 Building $326,593
2023	$3,728.00	$534,534 (+6.3%) Land $200,000 Building $334,534	$534,534 (+6.3%) Land $200,000 Building $334,534
2022		$502,835 Land $200,000 Building $302,835	$502,835 Land $200,000 Building $302,835

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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