992 Cedar Cir, Langley, WA 98260 Property Records

Island County property record for 992 Cedar Cir, Langley, WA 98260

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,490 sqft · built 1994
Lot Size	0.659 acres (28,692 sqft)
Owner	2 Individual Names on Record
Last Sale	$545,000 (May 2019)
Tax Bill	$6,402 (2026)
Deeds & Mortgages	May 2019 Sale & Mortgage Mar 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`S6362-00-00012-0`

Property Details

APN / Parcel Number

Primary APN	`S6362-00-00012-0`
Alternative APN	`678458`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Plumbing Fixtures	15 Plumbing Fixtures
Stories	1 Story
Building Area	2,490 sqft Living Area
1st Floor Area	1,340 sqft
Upper Floors Area	456 sqft
Attic	Attic
Attic Area	343 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1995
Exterior Material	Wood Siding
Foundation Type	Concrete
Roof Material	Asphalt
Lot Area	28,692 sqft (0.659 acres)
Garage Type	Detached
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	993 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	992 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 12 TGW & SUB EZ AF#94001145
Legal Subdivision	THE CEDARS
Legal Lot Number	12
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	992 CEDAR CIR, LANGLEY, WA 98260-9217
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 21, 2019	Warranty Deed, Transfer · ARM GUILD MORTGAGE CO
Mar 20, 2017	Deed of Trust, Mortgage · FHA Mortgage BANK OF THE PACIFIC
Mar 20, 2017	Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2019 · Amount on Record
Deed Sale	May 21, 2019 · Amount on Record
Prior Sale	Nov 3, 2014 · Amount on Record
Deed Document Number	20194464028
Prior Transfer Date	Dec 11, 2014
Prior Transfer Doc	0004370598
Record Updated	Oct 29, 2026

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ISLAND WA
Recording Date	May 21, 2019
Property Address	992 CEDAR CIR, LANGLEY, WA 98260-9217
Document Number	0004464028
Map Reference	VOL 13 PG 82-86
Instrument Date	May 11, 2019
Instrument	4464028
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	LAND T&E OF ISLAND CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,706.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	992 CEDAR CIR, LANGLEY, WA 98260-9217

Mortgage

Document Number	0004464029
Date	May 21, 2019
Instrument	4464029

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2049

Interest

Rate Type	Adjustable Rate
Rate	4.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Jun 1, 2026
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	9.25%
Index	1-Year LIBOR
Max Rate	9.25%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	992 CEDAR CIR, LANGLEY, WA 98260-9217
Document Number	0004419366
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Aug 17, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	992 CEDAR CIR LANGLEY WA 982609217, LANGLEY, WA 98260-9217

Mortgage

Document Number	0004419366
Date	Mar 24, 2017
Instrument	4419366

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Mar 23, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.44%

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ISLAND WA
Property Address	992 CEDAR CIR, LANGLEY, WA 98260-9217
Document Number	0004419367
Instrument Date	Mar 20, 2017
Transaction Type	Mortgage
Record Updated	Nov 16, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	992 CEDAR CIR LANGLEY WA 982609217, LANGLEY, WA 98260-9217

Mortgage

Document Number	0004419367
Date	Mar 24, 2017
Instrument	4419367

Lender

Name	HUD-HOUSING/URBAN DEV
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	876 Months
Due	Mar 23, 2090

Interest

Rate Type	Adjustable Rate
Rate	4.44%

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	$6,402.00 (+19.91%)
2025		$762,511 (-1.57%) Land $270,000 Building $492,511	$762,511 (-1.57%) Land $270,000 Building $492,511
2023	$5,339.00	$774,635 (+10.28%) Land $270,000 Building $504,635	$774,635 (+10.28%) Land $270,000 Building $504,635
2022		$702,441 Land $240,000 Building $462,441	$702,441 Land $240,000 Building $462,441

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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