Island County property record for 85 Torrence Ln, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,333 sqft · built 1978 |
| Lot Size | 4.73 acres (206,039 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $620,000 (Aug 2024) |
| Tax Bill | $4,032 (2023) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2019 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | S8420-00-00006-0 |
| Primary APN | S8420-00-00006-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,333 sqft Living Area |
| 1st Floor Area | 1,333 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplace | Fireplace |
| Year Built | Built 1978 |
|---|---|
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 206,039 sqft (4.73 acres) |
| Garage Type | Mixed |
| Garage Area | 728 sqft |
| Carport | Carport |
| Carport Area | 1,856 sqft |
| Parking Spaces | 9 Parking Spaces |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Covered Porch |
| Porch Area | 674 sqft |
| Storage Building | 256 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Baseboard |
| Account Number | 428781 |
|---|---|
| Street Address | 85 TORRENCE LN |
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-9114 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 20 |
| Legal Description | WHID PK LOT 6 |
| Legal Subdivision | WHID PARK |
| Legal Lot Number | 6 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 970300 |
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 |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 85 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 18, 2022 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Jul 26, 2019 | Deed of Trust, Mortgage · Conventional Mortgage GUILD MORTGAGE CO |
| Apr 14, 2017 | Warranty Deed, Transfer · Conventional Mortgage GUILD MORTGAGE CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 29, 2024 · Amount on Record |
| Deed Sale | Aug 29, 2024 · Amount on Record |
| Prior Sale | Apr 14, 2017 · Amount on Record |
| Deed Document Number | 4576412 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 85 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Transaction Type | Mortgage |
| Record Updated | Jan 27, 2022 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004538023 |
|---|---|
| Date | Jan 18, 2022 |
| Instrument | 4538023 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 85 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | STEWART TITLE |
| Name | Verified Name |
|---|
| Document Number | 0004468082 |
|---|---|
| Date | Jul 26, 2019 |
| Instrument | 4468082 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Address | SAN DIEGO, CA 92111 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Apr 14, 2017 |
| Property Address | 85 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Document Number | 0004420679 |
| Map Reference | VOL11 PG20 |
| Instrument Date | Apr 10, 2017 |
| Instrument | 4420679 |
| Transaction Type | Transfer |
| Record Updated | Nov 18, 2021 |
| Title Company | LAND TITLE & ESCROW ISLAND C |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,190.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 85 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Document Number | 0004420680 |
|---|---|
| Date | Apr 14, 2017 |
| Instrument | 4420680 |
| Name | GUILD MORTGAGE CO |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | May 1, 2047 |
Source: Island County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $620,811 (+9.2%) Land $300,000 Building $320,811 | $620,811 (+9.2%) Land $300,000 Building $320,811 | |
| 2023 | $4,032.00 | $568,519 (+5.09%) Land $240,000 Building $328,519 | $568,519 (+5.09%) Land $240,000 Building $328,519 |
| 2022 | $540,972 Land $240,000 Building $300,972 | $540,972 Land $240,000 Building $300,972 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Astound Broadband Fixed Wireless | 1,000 / 250 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
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