780 SW Echo Loop, Oak Harbor, WA 98277 Property Records

Island County property record for 780 SW Echo Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,246 sqft · built 1991
Owner	Individual Name on Record
Tax Bill	$4,150 (2023)
Deeds & Mortgages	Jan 2024 Sale Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6543-00-00008-0`

Property Details

APN / Parcel Number

Primary APN	`S6543-00-00008-0`
Alternative APN	`618745`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	2,246 sqft Living Area
Gross Area	2,782 sqft
1st Floor Area	1,731 sqft
2nd Floor Area	516 sqft
Upper Floors Area	516 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Garage Type	Built-in
Garage Area	536 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	618745
Street Address	780 SW ECHO LOOP
City	OAK HARBOR
State	WA
Zip	98277-5125
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	EASTVIEW ESTATES LOT 8 EX BG SWCR LOT 9 SD PLAT N46E ALG NWLY BDRY SD LOT 9 153.09 S52W46.38 S47W25.99 S43W81.06TPB 0H-SP 5-9
Legal Subdivision	EASTVIEW ESTATES
Legal Lot Number	8-9
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	1
Census Block	1002
Census Tract	970602

Owner

Source: Island County records, as of October 29, 2025

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	780 SW ECHO LOOP, OAK HARBOR, WA 98277-5125
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 29, 2024	Personal Representative Deed, Transfer
Jul 21, 2020	Deed of Trust, Mortgage · FHA Mortgage COMMISSIONER/HSNG & URBAN DEV
Jul 21, 2020	Deed of Trust, Mortgage · FHA Mortgage AMERICAN ADVISORS

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jan 29, 2024
Transfer Doc	0004568908
Record Updated	Jun 8, 2026

January 2024: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 29, 2024
Property Address	780 SW ECHO LOOP, OAK HARBOR, WA 98277-5125
Document Number	0004568908
Map Reference	VOL 13 PG 55
Instrument Date	Jan 23, 2024
Instrument	4568908
Transaction Type	Transfer
Record Updated	Feb 5, 2024

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	780 SW ECHO LOOP, OAK HARBOR, WA 98277-5125
Document Number	0004492346
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 27, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	780 SW ECHO LOOP OAK HARBOR WA 982775125, OAK HARBOR, WA 98277-5125

Mortgage

Document Number	0004492346
Date	Jul 28, 2020
Instrument	4492346

Lender

Name	COMMISSIONER/HSNG & URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	972 Months

Interest

Rate Type	Adjustable Rate
Rate	4.42%

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	780 SW ECHO LOOP, OAK HARBOR, WA 98277-5125
Document Number	0004492345
Instrument Date	Jul 21, 2020
Transaction Type	Mortgage
Record Updated	Aug 25, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	730 SW ECHO LOOP OAK HARBOR WA 98277, OAK HARBOR, WA 98277

Mortgage

Document Number	0004492345
Date	Jul 28, 2020
Instrument	4492345

Lender

Name	AMERICAN ADVISORS
Address	ORANGE, CA 92868

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	972 Months

Interest

Rate Type	Adjustable Rate
Rate	4.42%

Tax Assessment & Valuation

Source: Island County assessment roll, as of May 31, 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
2025		$490,453 (-1.6%) Land $190,000 Building $300,453	$490,453 (-1.6%) Land $190,000 Building $300,453
2023	$4,150.00	$498,437 (+7.68%) Land $190,000 Building $308,437	$498,437 (+7.68%) Land $190,000 Building $308,437
2022		$462,898 Land $180,000 Building $282,898	$462,898 Land $180,000 Building $282,898

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 328 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, AT&T, Orcas Online.

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