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

Island County property record for 818 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,626 sqft · built 1999
Lot Size	0.167 acres (7,263 sqft)
Owner	Individual Name on File
Last Sale	$469,420 (Sep 2021)
Tax Bill	$4,571 (2026)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00080-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00080-0`
Alternative APN	`759110`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	2 Stories
Building Area	1,626 sqft Living Area
Gross Area	2,060 sqft
1st Floor Area	938 sqft
Upper Floors Area	688 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,263 sqft (0.167 acres)
Garage Type	Attached
Garage Area	434 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	302 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	818 SW REGENCY DR
City	OAK HARBOR
State	WA
Zip	98277-7246
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	SHANNON FOREST #3 LOT 80
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	80
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2037
Census Tract	970401

Owner

818 SW Regency Dr is owned and occupied by an individual who bought it in September 2021.

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

Owner of Record	Individual Name on File
Mailing Address	818 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Feb 20, 2018	Warranty Deed, Transfer · VA Mortgage HOMESTREET BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2021 · Amount on File
Deed Sale	Sep 13, 2021 · Amount on File
Prior Sale	Feb 20, 2018 · Amount on File
Deed Document Number	20214528983
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Sep 13, 2021
Property Address	818 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Document Number	0004528983
Map Reference	VOL 13 PG 163&164
Instrument Date	Sep 8, 2021
Instrument	4528983
Transaction Type	Transfer
Record Updated	Sep 22, 2021
Title Company	LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,515.72
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 SW REGENCY DR, OAK HARBOR, WA 98277-7246

Mortgage

Document Number	0004528984
Date	Sep 13, 2021
Instrument	4528984

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2051

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Feb 20, 2018
Property Address	818 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Document Number	0004439485
Map Reference	VOL13 OF PLATS PGS 1
Instrument Date	Feb 16, 2018
Instrument	4439485
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,790.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 SW REGENCY DR, OAK HARBOR, WA 98277-7246

Mortgage

Document Number	0004439486
Date	Feb 20, 2018
Instrument	4439486

Lender

Name	HOMESTREET BANK
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 818 SW Regency Dr was $4,571.

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	$4,571.00
2025		$500,056 Land $210,000 Building $290,056	$500,056 Land $210,000 Building $290,056
2023	$3,996.00	$480,056 (+7.7%) Land $190,000 Building $290,056	$480,056 (+7.7%) Land $190,000 Building $290,056
2022		$445,718 Land $180,000 Building $265,718	$445,718 Land $180,000 Building $265,718

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 818 SW Regency Dr in Zone X, an area of minimal flood risk.

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 File 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

Wildfire risk around 818 SW Regency Dr is low, with a 0.01% annual chance of 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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