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Single Family ResidenceResidential
$1,261,937$357 / 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 97How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $1,261,000 on Jun 1, 2026

28504 STATE ROUTE 20

OAK HARBOR, WA 98277
4
Beds
3
Baths
3,530 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.
7 ac
Lot SizeThe size of the land the home sits on, from county records.
2002
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
7
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$1.3M
$1.2M low$1.3M high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$1,261,000 · Jun 1, 2026

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$7,585 (2025)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$1,101,196 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$290,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$811,196
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$1,080,824
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$1,101,196

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.35
67
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
26
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.
42
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.2 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
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.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
CountyISLAND
Lot (acres)The size of the land the home sits on, from county records.7.00
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 1,088 ft²

Transaction History(3)

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.

E
Hillcrest Elementary SchoolA+
Elementary · Grades KG–4 · 3.1 mi
H
Oak Harbor High SchoolB-
High · Grades 9–12 · 3.2 mi
M
North Whidbey Middle SchoolB+
Middle · Grades 7–8 · 3.5 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%

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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

28504 State Route 20 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.

  • Among the most valuable homes in Oak Harbor 98277
  • Costs more per square foot than 80% of homes in Oak Harbor 98277
  • Bigger than 97% of homes in Oak Harbor 98277
  • Has a bigger lot than 92% of homes in Oak Harbor 98277
  • Newer than 78% of 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
$245K$1.2M

This home is worth more than almost all 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$1,261,937
CheaperTypical $498,358Pricier

Pricier than almost all homes nearby

Price per ft²$357
CheaperTypical $295Pricier

Pricier than 80% of homes nearby

Living area3,530 ft²
SmallerTypical 1,654 ft²Bigger

Bigger than 97% of homes nearby

Lot size7 ac
SmallerTypical 0.49 acBigger

Bigger than 92% of homes nearby

Year built2002
OlderTypical 1984Newer

Newer than 78% of homes nearby

How 28504 State Route 20 ranks against every home in each area.
MeasureThis homeOak Harbor 98277Island County
Estimated valuepricier than$1,261,937almost all homes94% of homes
Price per ft²pricier than$35780% of homes53% of homes
Living areabigger than3,530 ft²97% of homes95% of homes
Lot sizebigger than7 ac92% of homes91% of homes
Year builtnewer than200278% of homes76% of homes

About 28504 State Route 20

How much is 28504 State Route 20, Oak Harbor, WA worth?

The TopHap Estimate for 28504 State Route 20, Oak Harbor, WA is $1,261,937 as of Aug 30, 2026. The likely range is $1,219,034 to $1,304,840. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28504 State Route 20, Oak Harbor, WA last sell?

28504 State Route 20, Oak Harbor, WA last sold on Jun 1, 2026 for $1,261,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 28504 State Route 20, Oak Harbor, WA?

28504 State Route 20, Oak Harbor, WA has 4 bedrooms, 3 bathrooms, 3,530 square feet of living space and a 7.00-acre lot.

When was 28504 State Route 20, Oak Harbor, WA built?

28504 State Route 20, Oak Harbor, WA was built in 2002, making it 24 years old. The building has 1 story.

What schools serve 28504 State Route 20, Oak Harbor, WA?

28504 State Route 20, Oak Harbor, WA is assigned to Hillcrest Elementary School (elementary), rated A+; Oak Harbor High School (high), rated B-; North Whidbey Middle School (middle), rated B+. All sit in Oak Harbor School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 28504 State Route 20, Oak Harbor, WA compare to other homes in Oak Harbor 98277?

Among the 13,752 homes in Oak Harbor 98277, it is worth more than almost all of them ($1,261,937 against a typical $498,358), its price per square foot is higher than 80% of them ($357 against a typical $295), it is bigger than 97% of them (3,530 ft² against a typical 1,654 ft²), its lot is bigger than 92% of them (7 ac against a typical 0.49 ac) and it is newer than 78% of them (2002 against a typical 1984). Measured against all of Island County, it is worth more than 94% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 28504 State Route 20, Oak Harbor, WA?

The 2025 property tax bill for 28504 State Route 20, Oak Harbor, WA was $7,585. The county assessed it at $1,101,196.

More homes on State Route 20

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