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

Island County property record for 880 SW Regency Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,481 sqft · built 2000
Lot Size	0.167 acres (7,263 sqft)
Owner	2 Individual Names on File
Last Sale	$515,000 (May 2022)
Tax Bill	$4,744 (2026)
Deeds & Mortgages	Feb 2022 Line of Credit May 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`S8152-03-00078-0`

Property Details

APN / Parcel Number

Primary APN	`S8152-03-00078-0`
Alternative APN	`759094`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,481 sqft Living Area
Gross Area	1,921 sqft
1st Floor Area	1,481 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2000
Effective Year Built	Effective 2000
Exterior Material	Concrete
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	7,263 sqft (0.167 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	177 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	880 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 78
Legal Subdivision	SHANNON FOREST #3
Legal Lot Number	78
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2037
Census Tract	970401

Owner

880 SW Regency Dr is owned and occupied by two individuals who bought it in May 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	880 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
Feb 18, 2022	Deed of Trust, Mortgage · Line of Credit BANNER BANK
May 26, 2022	Warranty Deed, Transfer · VA Mortgage HOMEBRIDGE FINANCIAL SERVICES INC
Aug 16, 2019	Warranty Deed, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA
Mar 28, 2017	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2022 · Amount on File
Deed Sale	May 26, 2022 · Amount on File
Prior Sale	Aug 16, 2019 · Amount on File
Deed Document Number	20224545687
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Transaction Type	Mortgage
Record Updated	Oct 30, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246

Mortgage

Document Number	0004539947
Date	Feb 18, 2022
Instrument	4539947

Lender

Name	BANNER BANK
Type	Bank
Address	SPOKANE, WA 99216

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 26, 2022
Property Address	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Document Number	0004545687
Map Reference	MB 13 PG 163&164
Instrument Date	May 6, 2022
Instrument	4545687
Transaction Type	Transfer
Record Updated	Oct 30, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,272.00
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	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246

Mortgage

Document Number	0004545688
Date	May 26, 2022
Instrument	4545688

Lender

Name	HOMEBRIDGE FINANCIAL SERVICES INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jun 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Aug 16, 2019
Property Address	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Document Number	0004469467
Instrument Date	Aug 13, 2019
Instrument	4469467
Transaction Type	Transfer
Record Updated	Aug 22, 2019
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO/WA

Transaction

Amount	Amount on Record
Tax	$6,062.34
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	880 SW REGENCY DR OAK HARBOR WA 982777246, OAK HARBOR, WA 98277-7246

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Mar 28, 2017
Property Address	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246
Document Number	0004419631
Map Reference	VOL13 PG163&164
Instrument Date	Mar 26, 2017
Instrument	4419631
Transaction Type	Transfer
Record Updated	Nov 18, 2021

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,309.40
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	880 SW REGENCY DR, OAK HARBOR, WA 98277-7246

Mortgage

Document Number	0004419632
Date	Mar 28, 2017
Instrument	4419632

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 880 SW Regency Dr was $4,744, up 9.4% from the year before.

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	$4,744.00 (+9.36%)
2025	$4,338.00	$519,090 Land $210,000 Building $309,090	$519,090 Land $210,000 Building $309,090
2023	$3,871.00	$504,026 (+16.75%) Land $190,000 Building $314,026	$504,026 (+16.75%) Land $190,000 Building $314,026
2022		$431,731 Land $180,000 Building $251,731	$431,731 Land $180,000 Building $251,731

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

Flood

FEMA maps place 880 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 880 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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