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

Island County property record for 987 E Crescent Harbor Rd, Oak Harbor, WA 98277

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,680 sqft · built 1972
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on File
Last Sale	$666,910 (Jul 2026)
Tax Bill	$5,459 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Dec 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`R23333-429-2450`

Property Details

APN / Parcel Number

Primary APN	`R23333-429-2450`
Alternative APN	`800624`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	11 Plumbing Fixtures
Stories	1 Story
Building Area	2,680 sqft Living Area
Gross Area	3,208 sqft
1st Floor Area	1,688 sqft
Upper Floors Area	1,024 sqft
Flooring	Vinyl/Resilient
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1978
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Concrete
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	4 Parking Spaces
Porch	Open Porch
Porch Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	987 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	LOT 2 SP 99-96.23333.463.2470 V3 SP P238-9 AF#99004397
Legal Range	2E
Legal Township	33N
Legal Section	33
Legal Subdivision	SHORT 099/96
Legal Lot Number	2
Jurisdiction	ISLAND WA
Township / Civil Division	NORTH WHIDBEY ISLAND
Census Block Group	4
Census Block	4010
Census Tract	970300

Owner

987 E Crescent Harbor Rd is owned by two individuals who bought it in July 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	268 VALLEY RD, OAK HARBOR, WA 98277-7868
Owner Type	Individual
Vesting	Married Couple

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
Jul 22, 2026	Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE
Dec 17, 2024	Warranty Deed, Transfer · VA Mortgage CMG MORTGAGE INC
Nov 17, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 22, 2026 · Amount on File
Deed Sale	Jul 22, 2026 · Amount on File
Prior Sale	Dec 17, 2024 · Amount on File
Deed Document Number	20264603417
Prior Transfer Date	Feb 29, 2008
Prior Transfer Doc	0004222974
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Jul 22, 2026
Property Address	987 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Document Number	0004603417
Instrument Date	Jul 14, 2026
Instrument	20264603417
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,199,476.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	268 VALLEY RD, OAK HARBOR, WA 98277-7868

Mortgage

Document Number	0004603417,
Date	Jul 22, 2026
Instrument	20264603417

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

December 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	Dec 17, 2024
Property Address	987 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Document Number	0004580468
Map Reference	VOL 3 PG 238&239
Instrument Date	Feb 16, 2024
Instrument	4580468
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	UNKNOWN, LENNAR TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,431.00
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	987 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604

Mortgage

Document Number	0004580469
Date	Dec 17, 2024
Instrument	4580469

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2055

November 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ISLAND WA
Recording Date	Nov 17, 2023
Property Address	987 E CRESCENT HARBOR RD, OAK HARBOR, WA 98277-8604
Document Number	0004566815
Map Reference	FILE 99004397
Instrument Date	Oct 31, 2023
Instrument	4566815
Transaction Type	Transfer
Record Updated	Oct 30, 2025

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust

Tax Assessment & Valuation

The 2026 property tax bill for 987 E Crescent Harbor Rd was $5,459, up 22.4% 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	$5,459.00 (+22.43%)
2025	$4,459.00	$706,457 Land $300,000 Building $406,457	$706,457 Land $300,000 Building $406,457
2023	$3,884.00	$623,720 (+19.76%) Land $270,000 Building $353,720	$623,720 (+19.76%) Land $270,000 Building $353,720
2022		$520,803 Land $240,000 Building $280,803	$520,803 Land $240,000 Building $280,803

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

Flood

FEMA maps place 987 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 987 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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