Island County property record for 90 Torrence Ln, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,656 sqft · built 1998 |
| Lot Size | 4.73 acres (206,039 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,683 (2026) |
| Deeds & Mortgages | Jan 2022 Transfer Sep 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S8420-00-00005-0 |
| Primary APN | S8420-00-00005-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Plumbing Fixtures | 12 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,656 sqft Living Area |
| Gross Area | 2,156 sqft |
| 1st Floor Area | 1,656 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Exterior Material | Wood Siding |
| Foundation Type | Concrete |
| Roof Material | Aluminum |
| Lot Area | 206,039 sqft (4.73 acres) |
| Garage Type | Attached |
| Garage Area | 500 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 249 sqft |
| Storage Building | 288 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 90 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 5 |
| Legal Subdivision | WHID PK |
| Legal Tract | 5 |
| Legal Lot Number | 5 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 970300 |
90 Torrence Ln is owned by an individual who acquired it in December 2021.
Source: Island County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2174 CLEARVIEW LN, LANGLEY, WA 98260-9579 |
| 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.
| Date | Document |
|---|---|
| Jan 13, 2022 | Intrafamily Transfer, Transfer |
| Sep 10, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Dec 16, 2021 |
| Transfer Doc | 0004537827 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | ISLAND WA |
| Recording Date | Jan 13, 2022 |
| Property Address | 90 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Document Number | 0004537827 |
| Map Reference | VOL 11 PG 20 |
| Instrument Date | Dec 16, 2021 |
| Instrument | 4537827 |
| Transaction Type | Transfer |
| Record Updated | Jan 26, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 90 TORRENCE LN, OAK HARBOR, WA 98277-9114 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2021 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0004528809 |
|---|---|
| Date | Sep 10, 2021 |
| Instrument | 4528809 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2051 |
The 2026 property tax bill for 90 Torrence Ln was $4,683.
Source: Island County assessment roll, as of October 20, 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 |
|---|---|---|---|
| 2026 | $4,683.00 | ||
| 2025 | $604,730 Land $300,000 Building $304,730 | $604,730 Land $300,000 Building $304,730 | |
| 2023 | $4,045.00 | $552,619 (+1.82%) Land $240,000 Building $312,619 | $552,619 (+1.82%) Land $240,000 Building $312,619 |
| 2022 | $542,730 Land $240,000 Building $302,730 | $542,730 Land $240,000 Building $302,730 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 90 Torrence Ln in Zone X, an area of minimal flood risk.
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 risk around 90 Torrence Ln 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 | Direct burnable vegetation |
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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