7481 Whispering Cedar Dr, Clinton, WA 98236 Property Records

Island County property record for 7481 Whispering Cedar Dr, Clinton, WA 98236

Property Summary

Property Type	Single Family Home
Details	1 bd · 1.5 ba · 1,703 sqft · built 2014
Lot Size	5.12 acres (223,027 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,705 (2026)
Deeds & Mortgages	Sep 2024 Line of Credit May 2022 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`R32803-171-2180`

Property Details

APN / Parcel Number

Primary APN	`R32803-171-2180`
Alternative APN	`809611`

Interior

Bedrooms	1 Bed
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,703 sqft Living Area
Gross Area	2,046 sqft
1st Floor Area	1,416 sqft
Attic	Attic
Attic Area	208 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Concrete
Lot Area	223,027 sqft (5.12 acres)
Garage Type	Detached
Garage Area	728 sqft
Parking Spaces	3 Parking Spaces
Porch	Enclosed Porch
Porch Area	653 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	7481 WHISPERING CEDAR DR
City	CLINTON
State	WA
Zip	98236-8931
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	LOT 1 SP 497-07.32803.171-2320 AF# 4241190
Legal Range	3E
Legal Township	28N
Legal Section	03
Legal Subdivision	ISLAND CNTY SHORT 497/07
Legal Lot Number	1
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3000
Census Tract	972100

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	PO BOX 102, EDMONDS, WA 98020-0102
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 24, 2024	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
May 19, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage BROKER SOLUTIONS INC
Jun 6, 2017	Deed of Trust, Mortgage · FHA Mortgage MICHIGAN MUTUAL INC
Nov 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
May 9, 2019	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Jun 25, 2019	Deed of Trust, Mortgage · Line of Credit BOEING EMPS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 22, 2015
Deed Sale	Jun 22, 2015
Prior Sale	Mar 15, 2010 · Amount on Record
Deed Document Number	20154380718
Last Transfer Date	May 13, 2022
Transfer Doc	0004545350
Record Updated	Oct 29, 2026

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931

Mortgage

Document Number	0004577388
Date	Sep 24, 2024
Instrument	4577388

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Sep 17, 2049

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	May 19, 2022
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Document Number	0004545350
Instrument Date	May 13, 2022
Instrument	4545350
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TTL CO OF WA LLC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931

Mortgage

Document Number	0004545351
Date	May 19, 2022
Instrument	4545351

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2029
Change Frequency	6 Months
Min Rate At Change	2.75%
Max Rate At Change	10.5%
Index	1-Year LIBOR
Max Rate	10.5%

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004423785
Date	Jun 6, 2017
Instrument	4423785

Lender

Name	MICHIGAN MUTUAL INC
Type	Mortgage Company
Address	PORT HURON, MI 48060

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004455511
Date	Nov 27, 2018
Instrument	4455511

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2048

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004463435
Date	May 9, 2019
Instrument	4463435

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2049

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	7481 WHISPERING CEDAR DR, CLINTON, WA 98236-8931
Document Number	0004466913
Instrument Date	Jun 25, 2019
Transaction Type	Mortgage
Record Updated	Jul 23, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	7481 WHISPERING CEDAR DR CLINTON WA 982368931, CLINTON, WA 98236-8931

Mortgage

Document Number	0004466913
Date	Jul 10, 2019
Instrument	4466913

Lender

Name	BOEING EMPS CU
Type	Credit Union
Address	SEATTLE, WA 98124-9750

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Jul 9, 2044

Interest

Rate Type	Adjustable Rate

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	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,705.00 (+12.66%)
2025	$5,064.00 (+24.03%)	$719,682 (+4.95%) Land $370,000 Building $349,682	$719,682 (+4.95%) Land $370,000 Building $349,682
2023	$4,083.00	$685,754 (+13.42%) Land $330,000 Building $355,754	$685,754 (+13.42%) Land $330,000 Building $355,754
2022		$604,611 Land $280,000 Building $324,611	$604,611 Land $280,000 Building $324,611

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 42 policies
Nearby Flood Policies	42 in force
Nearby Flood Claims	14 (1996–2024)
Claims Outside the SFHA	2 of 14
Most Recent Claim	Sep 2024 · other causes
Claims by Event	Severe Storms, Flooding, Tidal Surge, Landslides, And Mudslides, Feb 2006 · 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Whidbey Telephone DSL	25 / 3

May also be available: Astound Broadband.

Cell Coverage

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

Nearby Properties on Whispering Cedar Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures