Island County property record for 985 NW Quarterdeck Loop, Oak Harbor, WA 98277
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,103 sqft · built 1995 |
| Lot Size | 0.167 acres (7,258 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $230,000 (Mar 2016) |
| Tax Bill | $3,936 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | S7499-00-00027-0 |
| Primary APN | S7499-00-00027-0 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 9 Plumbing Fixtures |
| Stories | 1 Story |
| Building Area | 1,103 sqft Living Area |
| Gross Area | 1,592 sqft |
| 1st Floor Area | 1,103 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Concrete |
| Foundation Type | Concrete |
| Roof Material | Asphalt |
| Lot Area | 7,258 sqft (0.167 acres) |
| Garage Type | Attached |
| Garage Area | 489 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Open Porch |
| Porch Area | 80 sqft |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 985 NW QUARTERDECK LOOP |
|---|---|
| City | OAK HARBOR |
| State | WA |
| Zip | 98277-7205 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | OH |
| Legal Description | MEADOWRIDGE LOT 27 |
| Legal Subdivision | MEADOWRIDGE |
| Legal Lot Number | 27 |
| Jurisdiction | ISLAND WA |
| Township / Civil Division | NORTH WHIDBEY ISLAND |
| Census Block Group | 1 |
| Census Block | 1004 |
| Census Tract | 970401 |
Source: Island County records, as of October 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 985 NW QUARTERDECK LOOP, OAK HARBOR, WA 98277-7205 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 22, 2016 · Amount on Record |
| Deed Sale | Mar 22, 2016 · Amount on Record |
| Prior Sale | Oct 27, 2003 · Amount on Record |
| Deed Document Number | 20164396199 |
| Prior Transfer Date | Mar 6, 2008 |
| Prior Transfer Doc | 0004223936 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ISLAND WA |
| Property Address | 985 NW QUARTERDECK LOOP, OAK HARBOR, WA 98277-7205 |
| Document Number | 0004484706 |
| Instrument Date | Apr 3, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 12, 2020 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Address | 985 NW QUARTERDECK LOOP OAK HARBOR WA 982777205, OAK HARBOR, WA 98277-7205 |
| Document Number | 0004484706 |
|---|---|
| Date | Apr 13, 2020 |
| Instrument | 4484706 |
| Name | KEYBANK USA |
|---|---|
| Type | Bank |
| Address | BROOKLYN, OH 44144 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Apr 12, 2040 |
Source: Island County assessment roll, as of October 20, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Island County |
| Municipality | Oak Harbor City |
| Unified School District | Oak Harbor School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,936.00 (+20.37%) | ||
| 2025 | $430,550 (+4.18%) Land $210,000 Building $220,550 | $430,550 (+4.18%) Land $210,000 Building $220,550 | |
| 2023 | $3,270.00 | $413,264 (+13.34%) Land $190,000 Building $223,264 | $413,264 (+13.34%) Land $190,000 Building $223,264 |
| 2022 | $364,627 Land $160,000 Building $204,627 | $364,627 Land $160,000 Building $204,627 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 2 in force |
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 178 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Ziply Fiber.
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