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

Island County property record for 820 SW Echo Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,729 sqft · built 1990
Lot Size	0.184 acres (8,008 sqft)
Owner	Individual Name on Record
Last Sale	$500,000 (Mar 2024)
Tax Bill	$3,844 (2025)
Deeds & Mortgages	Feb 2026 Mortgage Mar 2024 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`S6543-00-00011-0`

Property Details

APN / Parcel Number

Primary APN	`S6543-00-00011-0`
Alternative APN	`618772`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,729 sqft Living Area
Gross Area	2,209 sqft
1st Floor Area	1,729 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1994
Exterior Material	Combination
Roof Material	Asphalt
Lot Area	8,008 sqft (0.184 acres)
Garage Type	Attached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	550 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	820 SW ECHO LOOP
City	OAK HARBOR
State	WA
Zip	98277-5126
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	OH
Legal Description	EASTVIEW ESTATES LOT 11
Legal Subdivision	EASTVIEW ESTATES
Legal Lot Number	11
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 March 3, 2026

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	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Surviving Spouse

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage PENNYMAC LOAN SERVICES LLC
Mar 18, 2024	Intrafamily Transfer, Transfer STEWART TITLE
Mar 18, 2024	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Sep 28, 2018	Deed of Trust, Mortgage · Conventional Mortgage BROKER SOLUTIONS INC
Oct 16, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 18, 2024 · Amount on Record
Deed Sale	Mar 18, 2024 · Amount on Record
Prior Sale	Oct 16, 2019 · Amount on Record
Deed Document Number	20244570320
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126

Mortgage

Document Number	0004597273
Date	Feb 25, 2026
Instrument	4597273

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Mar 18, 2024
Property Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Document Number	0004570321
Map Reference	VOL 13 PG 55
Instrument Date	Mar 18, 2024
Instrument	4570321
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	STEWART TITLE

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
Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 18, 2024
Property Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Document Number	0004570320
Map Reference	VOL 13 PG 55
Instrument Date	Feb 28, 2024
Instrument	4570320
Transaction Type	Transfer
Record Updated	Mar 27, 2024
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,005.00
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	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126

Mortgage

Document Number	0004570322
Date	Mar 18, 2024
Instrument	4570322

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2054

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Transaction Type	Mortgage
Record Updated	Sep 22, 2021
Title Company	VANTAGE POINT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004452513
Date	Sep 28, 2018
Instrument	4452513

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 16, 2019
Property Address	820 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Document Number	0004473475
Instrument Date	Oct 14, 2019
Instrument	4473475
Transaction Type	Transfer
Record Updated	Oct 25, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount Recorded
Tax	$5,790.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	820 SW ECHO LOOP OAK HARBOR WA 982775126, OAK HARBOR, WA 98277-5126

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
2025	$3,844.00 (-1.16%)	$459,510 (-1.53%) Land $190,000 Building $269,510	$459,510 (-1.53%) Land $190,000 Building $269,510
2023	$3,889.00	$466,672 (+7.58%) Land $190,000 Building $276,672	$466,672 (+7.58%) Land $190,000 Building $276,672
2022		$433,777 Land $180,000 Building $253,777	$433,777 Land $180,000 Building $253,777

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	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 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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