945 E Crescent Harbor Rd, Oak Harbor, WA 98277 Property Records

Island County property record for 945 E Crescent Harbor Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,392 sqft · built 1976
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$429,900 (Oct 2020)
Tax Bill	$4,507 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Jul 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R23333-429-1810`

Property Details

APN / Parcel Number

Primary APN	`R23333-429-1810`
Alternative APN	`108476`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Plumbing Fixtures	9 Plumbing Fixtures
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,968 sqft
1st Floor Area	1,392 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1978
Exterior Material	Aluminum/Vinyl
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Open Slab
Porch Area	120 sqft
Deck Area	Deck Area
Storage Building	240 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	945 E CRESCENT HARBOR RD
City	OAK HARBOR
State	WA
Zip	98277-8604
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	20
Legal Description	20 - E/2 SW NE NW EX CRESCENT HARBOR RD
Legal Range	2E
Legal Township	33N
Legal Section	33
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	4
Census Block	4010
Census Tract	970300

Owner

945 E Crescent Harbor Rd is owned and occupied by two individuals who bought it in October 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	945 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
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
Oct 24, 2025	Deed of Trust, Mortgage · Line of Credit FIRST FED BANK
Jul 27, 2022	Deed of Trust, Mortgage · Line of Credit FIRST FED BANK
Oct 29, 2020	Deed of Trust, Mortgage · Conventional Mortgage FIRST FSLA OF PORT ANGELES

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 29, 2020 · Amount on File
Deed Sale	Oct 29, 2020 · Amount on File
Prior Sale	Nov 13, 2014 · Amount on File
Deed Document Number	20204500777
Prior Transfer Date	Nov 10, 2014
Prior Transfer Doc	0004368276
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	945 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Transaction Type	Mortgage
Record Updated	Nov 4, 2025
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004592617
Date	Oct 24, 2025
Instrument	4592617

Lender

Name	FIRST FED BANK
Type	Bank
Address	PORT ANGELES, WA 98362

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Oct 25, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	945 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Transaction Type	Mortgage
Record Updated	Oct 30, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004548746
Date	Jul 27, 2022
Instrument	4548746

Lender

Name	FIRST FED BANK
Type	Bank
Address	PORT ANGELES, WA 98362

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	945 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	STEWART TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004500778
Date	Oct 29, 2020
Instrument	4500778

Lender

Name	FIRST FSLA OF PORT ANGELES
Type	Bank
Address	PORT ANGELES, WA 98362

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 945 E Crescent Harbor Rd was $4,507, up 12.2% from the year before.

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	$4,507.00 (+12.2%)
2025	$4,017.00	$581,701 Land $300,000 Building $281,701	$581,701 Land $300,000 Building $281,701
2023	$3,744.00	$558,809 (+11.37%) Land $270,000 Building $288,809	$558,809 (+11.37%) Land $270,000 Building $288,809
2022		$501,754 Land $240,000 Building $261,754	$501,754 Land $240,000 Building $261,754

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

Flood

FEMA maps place 945 E Crescent Harbor Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 2006.

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 27 policies
Nearby Flood Policies	27 in force
Nearby Flood Claims	6 (2006–2022)
Claims Outside the SFHA	1 of 6
Most Recent Claim	Dec 2022 · tidal / storm surge

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 945 E Crescent Harbor Rd 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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