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Residential (General/Single)Residential
$654,243$317 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 98How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

2406 SW RIDGEWAY DR

OAK HARBOR, WA 98277
4
Beds
3
Baths
2,066 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
4,129 ft²
Lot SizeThe size of the land the home sits on, from county records.
2025
Year BuiltThe year the home was originally built, according to county records.
1
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$654K
$642K low$667K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$4,293
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$3,434
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.100%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$649,950
MORTGAGE RESEARCH CENTER LLC · recorded Jan 15, 2026

Tax & Assessment

Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$611,132 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$220,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$391,132
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$96,620
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$611,132

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.37
88
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
14
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
38
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
43
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
3
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.6%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.1 percent flood zone

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Residential (General/Single)
CountyIsland
Lot (acres)The size of the land the home sits on, from county records.0.10
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Heat Pump
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 185 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

H
Oak Harbor High SchoolB-
High · Grades 9–12 · 1.6 mi
M
North Whidbey Middle SchoolB+
Middle · Grades 7–8 · 1.9 mi
E
Oak Harbor Elementary SchoolA-
Elementary · Grades KG–4 · 1.9 mi

District: Oak Harbor School District

Neighborhood · ZIP 98277These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.75
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.99
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.247

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.93%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.17%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.3%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.0.9%
PopulationHow many people live in this area.41,580
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.553 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$76,763
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$93,301
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.23 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.33%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.Yes

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

2406 Sw Ridgeway Dr measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 78% of homes in Oak Harbor 98277
  • Bigger than 73% of homes in Oak Harbor 98277
  • Has a smaller lot than 94% of homes in Island County
  • Among the newest homes in Oak Harbor 98277

What homes are worth in Oak Harbor 98277

Each bar is how many homes fall in that price range. The marker is this home.

This home
$229K$1.2M

This home is worth more than 78% of homes in Oak Harbor 98277.

How it measures up in Oak Harbor 98277

The dot is this home. The mark in the middle is the typical home in Oak Harbor 98277.

Estimated value$654,243
CheaperTypical $511,672Pricier

Pricier than 78% of homes nearby

Price per ft²$317
CheaperTypical $301Pricier

Pricier than 61% of homes nearby

Living area2,066 ft²
SmallerTypical 1,649 ft²Bigger

Bigger than 73% of homes nearby

Lot size4,129 ft²
SmallerTypical 0.51 acBigger

Bigger than 13% of homes nearby

Year built2025
OlderTypical 1984Newer

Newer than almost all homes nearby

How 2406 Sw Ridgeway Dr ranks against every home in each area.
MeasureThis homeOak Harbor 98277Island County
Estimated valuepricier than$654,24378% of homes54% of homes
Price per ft²pricier than$31761% of homes36% of homes
Living areabigger than2,066 ft²73% of homes68% of homes
Lot sizebigger than4,129 ft²13% of homes6% of homes
Year builtnewer than2025almost all homesalmost all homes

About 2406 Sw Ridgeway Dr

How much is 2406 Sw Ridgeway Dr, Oak Harbor, WA worth?

The TopHap Estimate for 2406 Sw Ridgeway Dr, Oak Harbor, WA is $654,243 as of Jul 14, 2026. The likely range is $641,583 to $666,903. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

How big is 2406 Sw Ridgeway Dr, Oak Harbor, WA?

2406 Sw Ridgeway Dr, Oak Harbor, WA has 4 bedrooms, 3 bathrooms, 2,066 square feet of living space and a 0.10-acre lot.

When was 2406 Sw Ridgeway Dr, Oak Harbor, WA built?

2406 Sw Ridgeway Dr, Oak Harbor, WA was built in 2025, making it 1 years old.

What schools serve 2406 Sw Ridgeway Dr, Oak Harbor, WA?

2406 Sw Ridgeway Dr, Oak Harbor, WA is assigned to Oak Harbor High School (high), rated B-; North Whidbey Middle School (middle), rated B+; Oak Harbor Elementary School (elementary), rated A-. All sit in Oak Harbor School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 2406 Sw Ridgeway Dr, Oak Harbor, WA compare to other homes in Oak Harbor 98277?

Among the 13,754 homes in Oak Harbor 98277, it is worth more than 78% of them ($654,243 against a typical $511,672), its price per square foot is higher than 61% of them ($317 against a typical $301), it is bigger than 73% of them (2,066 ft² against a typical 1,649 ft²), its lot is bigger than 13% of them (4,129 ft² against a typical 0.51 ac) and it is newer than almost all of them (2025 against a typical 1984). Measured against all of Island County, it is worth more than 54% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

Closest homes

More homes in Oak Harbor 98277

Assigned schools

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