763 SW Regency Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 763 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,527 sqft · built 1998
Lot Size	0.188 acres (8,166 sqft)
Owner	Individual Name on Record
Last Sale	$299,000 (Apr 2017)
Tax Bill	$4,440 (2026)
Deeds & Mortgages	Jan 2023 Second Mortgage Apr 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00108-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00108-0`
Alternative APN	`759398`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,527 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	1,527 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	8,166 sqft (0.188 acres)
Garage Type	Attached
Garage Area	449 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	173 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	763 SW REGENCY DR
City	OAK HARBOR
State	WA
Zip	98277-7247
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	SHANNON FOREST #3 LOT 108
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	108
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2026
Census Tract	970401

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	Individual Name on Record
Mailing Address	763 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 4, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NAVY FCU
Apr 3, 2017	Warranty Deed, Transfer · VA Mortgage HERITAGE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 3, 2017 · Amount on Record
Deed Sale	Apr 3, 2017 · Amount on Record
Prior Sale	Sep 8, 2006 · Amount on Record
Deed Document Number	20174420026
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	763 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Transaction Type	Mortgage
Record Updated	Jun 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004555361
Date	Jan 4, 2023
Instrument	4555361

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Oct 1, 2032

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 3, 2017
Property Address	763 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004420026
Map Reference	VOL13 PG163&164
Instrument Date	Mar 28, 2017
Instrument	4420026
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,327.20
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	2189 SW ROSARLO PL, OAK HARBOR, WA 98277-8428

Mortgage

Document Number	0004420027
Date	Apr 3, 2017
Instrument	4420027

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,440.00 (+17.68%)
2025		$485,698 (+7.27%) Land $210,000 Building $275,698	$485,698 (+7.27%) Land $210,000 Building $275,698
2023	$3,773.00	$452,763 (+7.58%) Land $190,000 Building $262,763	$452,763 (+7.58%) Land $190,000 Building $262,763
2022		$420,861 Land $180,000 Building $240,861	$420,861 Land $180,000 Building $240,861

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 14 policies
Nearby Flood Policies	14 in force

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	None beyond ember reach

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	CITY OF OAK HARBOR serves 23,675 people · EPA ID WA5362650
Water Source	Purchased surface water from CITY OF ANACORTES
Last State Inspection	Jul 2022
Lead	1 ppb (2022–2024) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	2 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 281 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband, T-Mobile, Ziply Fiber.

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