984 SE Ely St, Oak Harbor, WA 98277 Property Records

Island County property record for 984 SE Ely St, Oak Harbor, WA 98277

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.27 acres (11,761 sqft)
Owner	Company Name on Record
Last Sale	$41,000 (Jun 2015)
Tax Bill	$73 (2026)
Deeds & Mortgages	Jan 2023 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`R13202-306-1840`

Property Details

APN / Parcel Number

Primary APN	`R13202-306-1840`
Alternative APN	`11524`

Interior

Bedrooms	6 Beds
Full Baths	5 Baths
Building Area	2,541 sqft Living Area
1st Floor Area	1,804 sqft

Exterior

Year Built	Built 2023
Effective Year Built	Effective 2023
Architectural Style	Multi-Family
Exterior Material	Concrete
Roof Material	Aluminum
Lot Area	11,761 sqft (0.27 acres)
Porch	Open Porch
Total Buildings	2 Buildings

Location & Zoning

Street Address	984 SE ELY ST
City	OAK HARBOR
State	WA
Zip	98277-5707
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	OH
Legal Description	65 SUM DC - BG NE CR L60 ELY ADD N16W30 TPB N16 W50 S73W230 TO ST SLY ALG ST TP S73W OF TPB N73* E TPB
Legal Range	1E
Legal Township	32N
Legal Section	02
Legal Subdivision	ELY ADD
Legal Lot Number	60
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	2
Census Block	2004
Census Tract	970700

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	Company Name on Record
Mailing Address	PO BOX 2279, OAK HARBOR, WA 98277-6279
Owner Type	Company

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2023	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE SOUTHEAST BANK
Dec 16, 2020	Deed of Trust, Mortgage · Conventional Mortgage PRIVATE INDIVIDUAL

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2015 · Amount on Record
Deed Sale	Jun 5, 2015 · Amount on Record
Deed Document Number	20154379662
Record Updated	Oct 29, 2026

January 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	984 SE ELY ST, OAK HARBOR, WA 98277-5707
Transaction Type	Mortgage
Record Updated	Nov 23, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0004556096
Date	Jan 26, 2023
Instrument	4556096

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	984 SE ELY ST, OAK HARBOR, WA 98277-5707
Document Number	0004505866
Instrument Date	Dec 16, 2020
Transaction Type	Mortgage
Record Updated	Dec 29, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	380 SE PIONEER WAY OAK HARBOR WA 982773204, OAK HARBOR, WA 98277-3204

Mortgage

Document Number	0004505866
Date	Dec 21, 2020
Instrument	4505866

Lender

Name	PRIVATE INDIVIDUAL
Type	Private Party
Address	SPOKANE, WA 99201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

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	$73.00 (-77.4%)
2025		$7,500 (-97.34%) Land $7,500	$7,500 (-97.34%) Land $7,500
2023	$323.00 Additional exemption filed	$281,902 (+379.38%) Land $58,806 Building $223,096	$281,902 (+379.38%) Land $58,806 Building $223,096
2022		$58,806 Land $58,806	$58,806 Land $58,806

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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 21 individual policies
Nearby Flood Policies	49 units insured incl. 28 condo units
Nearby Flood Claims	3 (2022)
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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 244 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, Ziply Fiber.

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