970 Cedar Cir, Langley, WA 98260 Property Records

Island County property record for 970 Cedar Cir, Langley, WA 98260

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,561 sqft · built 1994
Lot Size	1.13 acres (49,411 sqft)
Owner	2 Individual Names on Record
Last Sale	$544,950 (Apr 2017)
Tax Bill	$7,082 (2026)
Deeds & Mortgages	Sep 2026 Line of Credit Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6362-00-00011-0`

Property Details

APN / Parcel Number

Primary APN	`S6362-00-00011-0`
Alternative APN	`678449`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	16 Plumbing Fixtures
Stories	1 Story
Building Area	2,561 sqft Living Area
Gross Area	3,137 sqft
1st Floor Area	1,913 sqft
Upper Floors Area	600 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Exterior Material	Hardboard/Plywood
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	49,411 sqft (1.13 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	700 sqft
Storage Building	36 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	970 CEDAR CIR
City	LANGLEY
State	WA
Zip	98260-9217
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	LG
Legal Description	THE CEDARS LOT 11 TGW EZ AF#94001145
Legal Subdivision	THE CEDARS
Legal Lot Number	11
Jurisdiction	ISLAND WA
Township / Civil Division	SOUTH WHIDBEY ISLAND
Census Block Group	3
Census Block	3008
Census Tract	972000

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	970 CEDAR CIR, LANGLEY, WA 98260-9217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2026	Deed of Trust, Mortgage · Line of Credit HARBORSTONE CREDIT UNION
Jun 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Apr 26, 2017	Warranty Deed, Transfer · Conventional Mortgage FINANCE OF AMERICA MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2017 · Amount on Record
Deed Sale	Apr 26, 2017 · Amount on Record
Deed Document Number	20174421409
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Recording Date	Sep 8, 2026
Property Address	970 CEDAR CIR, LANGLEY, WA 98260-9217
Document Number	0004605398
Instrument Date	Sep 2, 2026
Instrument	20264605398
Transaction Type	Mortgage
Record Updated	Sep 15, 2026
Title Company	NORTHWEST AR TITLE, GUARDIAN NORTHWEST TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004605398,
Date	Sep 8, 2026
Instrument	20264605398

Lender

Name	HARBORSTONE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Max Rate	-1%

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	970 CEDAR CIR, LANGLEY, WA 98260-9217
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	EQUITY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004488918
Date	Jun 16, 2020
Instrument	4488918

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2050

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Apr 26, 2017
Property Address	970 CEDAR CIR, LANGLEY, WA 98260-9217
Document Number	0004421409
Map Reference	VOL13 PG82-86
Instrument Date	Apr 20, 2017
Instrument	4421409
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,705.11
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	970 CEDAR CIR, LANGLEY, WA 98260-9217

Mortgage

Document Number	0004421410
Date	Apr 26, 2017
Instrument	4421410

Lender

Name	FINANCE OF AMERICA MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2047

Mortgage

Document Number	0004421411
Date	Apr 26, 2017
Instrument	4421411

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 23, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Washington
County	Island County
Municipality	Langley City
Unified School District	South Whidbey School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,082.00 (+18.15%)
2025		$844,301 (+0.74%) Land $270,000 Building $574,301	$844,301 (+0.74%) Land $270,000 Building $574,301
2023	$5,994.00	$838,099 (+6.25%) Land $250,000 Building $588,099	$838,099 (+6.25%) Land $250,000 Building $588,099
2022		$788,777 Land $250,000 Building $538,777	$788,777 Land $250,000 Building $538,777

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 · 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 Record median of 15 policies
Nearby Flood Policies	15 in force
Nearby Flood Claims	15 (1980–2022)
Claims Outside the SFHA	3 of 15
Most Recent Claim	Dec 2022 · rainfall accumulation
Claims by Event	Severe Winter Storms, Land & Muds Slides,flooding, Jan 1997 · 7 claims

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

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.

Drinking Water

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

Water System	CITY OF LANGLEY serves 1,416 people · EPA ID WA5345950
Water Source	Groundwater
Last State Inspection	Oct 2025
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	E. coli resolved · Jul 2020
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 119 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Whidbey Telephone Fiber	1,000 / 1,000

May also be available: T-Mobile.

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