923 Arwin Dr, Oak Harbor, WA 98277 Property Records

Island County property record for 923 Arwin Dr, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,364 sqft · built 1965
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$320,000 (Jan 2020)
Tax Bill	$3,085 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Jan 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`S7740-00-00002-0`

Property Details

APN / Parcel Number

Primary APN	`S7740-00-00002-0`
Alternative APN	`350435`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	8 Plumbing Fixtures
Stories	1 Story
Building Area	1,364 sqft Living Area
Gross Area	1,724 sqft
1st Floor Area	1,364 sqft
Flooring	Tile
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 2006
Exterior Material	Concrete
Construction Type	Wood
Foundation Type	Slab (Mat/Raft)
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	360 sqft
Parking Spaces	1 Parking Space
Porch	Open Porch
Porch Area	52 sqft

Utilities, Heating & Cooling

Heating System	Floor/Wall Furnace
Heating Fuel	Electric

Location & Zoning

Street Address	923 ARWIN DR
City	OAK HARBOR
State	WA
Zip	98277-3603
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	10
Legal Description	PINE TERR LOT 2
Legal Subdivision	PINE TERR
Legal Lot Number	2
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2000
Census Tract	970402

Owner

923 Arwin Dr is owned and occupied by an individual who bought it in January 2020.

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

Owner of Record	Individual Name on File
Mailing Address	923 ARWIN DR, OAK HARBOR, WA 98277-3603
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
Jun 1, 2021	Deed of Trust, Mortgage · VA Mortgage HOME MORTGAGE EXPERTS INC
Jan 28, 2020	Warranty Deed, Transfer · VA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 28, 2020 · Amount on File
Deed Sale	Jan 28, 2020 · Amount on File
Prior Sale	Jun 20, 2011 · Amount on File
Deed Document Number	20204480156
Prior Transfer Date	May 14, 2009
Prior Transfer Doc	0004252177
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	923 ARWIN DR, OAK HARBOR, WA 98277-3603
Transaction Type	Mortgage
Record Updated	Oct 30, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004520621
Date	Jun 1, 2021
Instrument	4520621

Lender

Name	HOME MORTGAGE EXPERTS INC
Type	Mortgage Company
Address	OCEANSIDE, CA 92054

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	354 Months
Due	Dec 1, 2050

January 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jan 28, 2020
Property Address	923 ARWIN DR, OAK HARBOR, WA 98277-3603
Document Number	0004480156
Map Reference	VOL 4 PG 55&56
Instrument Date	Jan 22, 2020
Instrument	4480156
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND T&E OF ISLAND CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$5,125.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	923 ARWIN DR, OAK HARBOR, WA 98277-3603

Mortgage

Document Number	0004480157
Date	Jan 28, 2020
Instrument	4480157

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 923 Arwin Dr was $3,085.

Source: Island County assessment roll, as of October 20, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Unified School District	Oak Harbor School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,085.00
2025		$398,545 Land $200,000 Building $198,545	$398,545 Land $200,000 Building $198,545
2023	$2,582.00	$363,432 (+4.91%) Land $160,000 Building $203,432	$363,432 (+4.91%) Land $160,000 Building $203,432
2022		$346,420 Land $160,000 Building $186,420	$346,420 Land $160,000 Building $186,420

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

Flood

FEMA maps place 923 Arwin Dr 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

Wildfire risk around 923 Arwin Dr is low, with less than 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 94% of the US · lower than 96% of Washington
Wildfire Likelihood	Under 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	PINE TERRACE WATER ASSOCIATION private · serves 181 people · EPA ID WA5367600
Water Source	Groundwater
Last State Inspection	Aug 2022
Also Mapped Here	CITY OF OAK HARBOR
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes not recorded as resolved · Apr 2025
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20

May also be available: Astound Broadband.

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