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

Island County property record for 788 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,830 sqft · built 1998
Lot Size	0.17 acres (7,401 sqft)
Owner	2 Individual Names on Record
Last Sale	$409,000 (Dec 2019)
Tax Bill	$4,961 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Dec 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00082-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00082-0`
Alternative APN	`759138`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	12 Plumbing Fixtures
Stories	2 Stories
Building Area	1,830 sqft Living Area
Gross Area	2,310 sqft
1st Floor Area	736 sqft
Upper Floors Area	1,055 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,401 sqft (0.17 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	506 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	788 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 82
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	82
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	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · VA Mortgage BANK OF THE PACIFIC
Dec 6, 2019	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO
Apr 21, 2017	Warranty Deed, Transfer · Conventional Mortgage ACADEMY MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 6, 2019 · Amount on Record
Deed Sale	Dec 6, 2019 · Amount on Record
Prior Sale	Apr 21, 2017 · Amount on Record
Deed Document Number	20194477032
Prior Transfer Date	Jun 5, 2012
Prior Transfer Doc	0004317122
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Transaction Type	Mortgage
Record Updated	Mar 5, 2021
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004511573
Date	Feb 22, 2021
Instrument	4511573

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

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

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 6, 2019
Property Address	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004477032
Map Reference	VOL 13 PG 163&164
Instrument Date	Dec 4, 2019
Instrument	4477032
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	$7,285.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Investor	Possibly a Property Investor

Mortgage

Document Number	0004477033
Date	Dec 6, 2019
Instrument	4477033

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 21, 2017
Property Address	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247
Document Number	0004421170
Map Reference	VOL13 PG163&164
Instrument Date	Apr 19, 2017
Instrument	4421170
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND TITLE & ESCROW ISLAND

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,074.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	788 SW REGENCY DR, OAK HARBOR, WA 98277-7247

Mortgage

Document Number	0004421172
Date	Apr 21, 2017
Instrument	4421172

Lender

Name	ACADEMY MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional 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	$4,961.00 (+14.12%)
2025		$542,807 (+3.83%) Land $210,000 Building $332,807	$542,807 (+3.83%) Land $210,000 Building $332,807
2023	$4,347.00	$522,807 (+7.82%) Land $190,000 Building $332,807	$522,807 (+7.82%) Land $190,000 Building $332,807
2022		$484,903 Land $180,000 Building $304,903	$484,903 Land $180,000 Building $304,903

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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