769 Greenoch Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 769 Greenoch Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,870 sqft · built 1990
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on Record
Last Sale	$370,000 (Jun 2019)
Tax Bill	$5,034 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8415-00-00008-0`

Property Details

APN / Parcel Number

Primary APN	`S8415-00-00008-0`
Alternative APN	`428479`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	2,870 sqft Living Area
Gross Area	3,584 sqft
1st Floor Area	1,946 sqft
Upper Floors Area	924 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Hardboard/Plywood
Construction Type	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	714 sqft
Parking Spaces	2 Parking Spaces
Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	781 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	769 GREENOCH LOOP
City	OAK HARBOR
State	WA
Zip	98277-9435
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	21
Legal Description	WHIDBEY HIGHLANDS #1 LOT 8
Legal Subdivision	WHIDBEY HIGHLANDS #1
Legal Lot Number	8
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	769 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage NAVY FEDERAL CREDIT UNION
Apr 6, 2021	Deed of Trust, Mortgage · VA Mortgage GUILD MORTGAGE CO
Jun 28, 2019	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2019 · Amount on Record
Deed Sale	Jun 28, 2019 · Amount on Record
Prior Sale	Jun 10, 2016 · Amount on Record
Deed Document Number	20194466361
Prior Transfer Date	Apr 22, 2015
Prior Transfer Doc	0004380924
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	Sep 29, 2026
Property Address	769 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004606267
Instrument Date	Sep 2, 2026
Instrument	20264606267
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	CHICAGO TITLE W, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 GREENOCH LOOP, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	0004606267,
Date	Sep 29, 2026
Instrument	20264606267

Lender

Name	NAVY FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2041

Interest

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

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	769 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004515664
Date	Apr 6, 2021
Instrument	4515664

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jun 28, 2019
Property Address	769 GREENOCH LOOP, OAK HARBOR, WA 98277-9435
Document Number	0004466361
Map Reference	VOL 7 PG 76
Instrument Date	Jun 18, 2019
Instrument	4466361
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND T&E OF ISLAND CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$6,591.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	769 GREENOEH LOOP, OAK HARBOR, WA 98277-9435

Mortgage

Document Number	0004466363
Date	Jun 28, 2019
Instrument	4466363

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

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	$5,034.00 (+22.78%)
2025		$653,860 (+4.78%) Land $260,000 Building $393,860	$653,860 (+4.78%) Land $260,000 Building $393,860
2023	$4,100.00	$624,055 (+12.73%) Land $220,000 Building $404,055	$624,055 (+12.73%) Land $220,000 Building $404,055
2022		$553,561 Land $220,000 Building $333,561	$553,561 Land $220,000 Building $333,561

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 only, no 5G reported

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