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

Island County property record for 850 SW Echo Loop, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,972 sqft · built 1989
Owner	Individual Name on Record
Last Sale	$505,000 (Oct 2021)
Tax Bill	$4,136 (2023)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Apr 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S6543-00-00012-0`

Property Details

APN / Parcel Number

Primary APN	`S6543-00-00012-0`
Alternative APN	`729331`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,972 sqft Living Area
Gross Area	2,412 sqft
1st Floor Area	1,972 sqft
Interior Walls	Wallboard/Drywall
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Asphalt
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Porch Area	350 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas

Location & Zoning

Account Number	729331
Street Address	850 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 12
Legal Subdivision	EASTVIEW ESTATES
Legal Lot Number	12
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
Co-owner	Co-owner on Record
Mailing Address	850 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 7, 2021	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Apr 30, 2020	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2021 · Amount on Record
Deed Sale	Oct 7, 2021 · Amount on Record
Prior Sale	Apr 30, 2020 · Amount on Record
Deed Document Number	4530869
Record Updated	Jun 8, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Oct 7, 2021
Property Address	850 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Document Number	0004530869
Map Reference	VOL 13 PG 55
Instrument Date	Oct 1, 2021
Instrument	4530869
Transaction Type	Transfer
Record Updated	Apr 20, 2022
Title Company	LAND TITLE AND ESCROW, LAND TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,094.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	850 SW ECHO LOOP, OAK HARBOR, WA 98277-5126

Mortgage

Document Number	0004530870
Date	Oct 7, 2021
Instrument	4530870

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

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

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 30, 2020
Property Address	850 SW ECHO LOOP, OAK HARBOR, WA 98277-5126
Document Number	0004485744
Map Reference	VOL 13 PG 55
Instrument Date	Apr 28, 2020
Instrument	4485744
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	PREMIER TITLE OF ISLAND CNTY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,909.00
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	850 SW ECHO LOOP, OAK HARBOR, WA 98277-5126

Mortgage

Document Number	0004485745
Date	Apr 30, 2020
Instrument	4485745

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

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

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		$504,760 (+1.6%) Land $190,000 Building $314,760	$504,760 (+1.6%) Land $190,000 Building $314,760
2023	$4,136.00	$496,817 (+7.67%) Land $190,000 Building $306,817	$496,817 (+7.67%) Land $190,000 Building $306,817
2022		$461,422 Land $180,000 Building $281,422	$461,422 Land $180,000 Building $281,422

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.

Nearby Properties on SW Echo Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures