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

Island County property record for 772 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,402 sqft · built 1998
Lot Size	0.166 acres (7,227 sqft)
Owner	2 Individual Names on Record
Last Sale	$600,000 (May 2022)
Tax Bill	$4,640 (2026)
Deeds & Mortgages	May 2022 Sale & Mortgage Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00083-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00083-0`
Alternative APN	`759147`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	10 Plumbing Fixtures
Stories	1 Story
Building Area	1,402 sqft Living Area
Gross Area	1,834 sqft
1st Floor Area	1,402 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,227 sqft (0.166 acres)
Garage Type	Attached
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	221 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	772 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 83
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	83
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2037
Census Tract	970401

Owner

Source: Island County records, as of October 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	772 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2022	Warranty Deed, Transfer · Conventional Mortgage DIRECTORS MORTGAGE INC
Jan 14, 2021	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Feb 6, 2019	Deed of Trust, Mortgage · VA Mortgage MR COOPER
May 1, 2018	Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2022 · Amount on Record
Deed Sale	May 18, 2022 · Amount on Record
Prior Sale	May 1, 2018 · Amount on Record
Deed Document Number	20224545294
Record Updated	Oct 29, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 18, 2022
Property Address	772 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004545294
Map Reference	VOL 13 PG 163
Instrument Date	May 16, 2022
Instrument	4545294
Transaction Type	Transfer
Record Updated	May 27, 2022
Title Company	PREMIER TITLE/ISLAND COUNTY, PREMIER TITLE OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,785.00
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	5504 176TH ST SW, LYNNWOOD, WA 98037-3037

Mortgage

Document Number	0004545295
Date	May 18, 2022
Instrument	4545295

Lender

Name	DIRECTORS MORTGAGE INC
Type	Mortgage Company

Agreement

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

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	772 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004508021
Date	Jan 14, 2021
Instrument	4508021

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	772 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004459699
Instrument Date	Feb 6, 2019
Transaction Type	Mortgage
Record Updated	Mar 5, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	772 SW REGENCY DR OAK HARBOR WA 982777247, OAK HARBOR, WA 98277-7247

Mortgage

Document Number	0004459699
Date	Feb 27, 2019
Instrument	4459699

Lender

Name	MR COOPER
Address	DALLAS, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 26, 2049

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 1, 2018
Property Address	772 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004443546
Instrument Date	Apr 30, 2018
Instrument	4443546
Transaction Type	Transfer
Record Updated	May 23, 2018
Title Company	LAND TITLE AND ESCROW/ISLAND COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	772 SW REGENCY DR OAK HARBOR WA 982777247, OAK HARBOR, WA 98277-7247

Mortgage

Document Number	4443547
Date	May 1, 2018
Instrument	4443547

Lender

Name	VETERANS UNITED HM LNS
Type	Funding / Finance Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2048

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	$4,640.00 (+23.8%)
2025		$507,618 (+3.01%) Land $210,000 Building $297,618	$507,618 (+3.01%) Land $210,000 Building $297,618
2023	$3,748.00	$492,785 (+17.88%) Land $190,000 Building $302,785	$492,785 (+17.88%) Land $190,000 Building $302,785
2022		$418,035 Land $180,000 Building $238,035	$418,035 Land $180,000 Building $238,035

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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