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Single Family ResidentialResidential
$411,469$414 / 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 90How 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 $140,000 on Dec 5, 2018

28610 STATE ROUTE 20

OAK HARBOR, WA 98277
2
Beds
1
Baths
993 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.
1.27 ac
Lot SizeThe size of the land the home sits on, from county records.
1943
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$411K
$372K low$451K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$140,000 · Dec 5, 2018

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.$343,175 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$240,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$103,175
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$325,270
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$343,175

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.23
10
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
25
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 Residential
CountyIsland
Lot (acres)The size of the land the home sits on, from county records.1.27
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.Aluminum
HeatingThe type of heating system in the home.Gas
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 · 60 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.

E
Hillcrest Elementary SchoolA+
Elementary · Grades KG–4 · 3.0 mi
H
Oak Harbor High SchoolB-
High · Grades 9–12 · 3.1 mi
M
North Whidbey Middle SchoolB+
Middle · Grades 7–8 · 3.4 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

28610 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.

  • Worth less than 87% of homes in Island County
  • Costs more per square foot than 91% of homes in Oak Harbor 98277
  • Smaller than 88% of homes in Oak Harbor 98277
  • Has a bigger lot than 65% of homes in Oak Harbor 98277
  • Older than 96% 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 24% 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$411,469
CheaperTypical $498,358Pricier

Pricier than 24% of homes nearby

Price per ft²$414
CheaperTypical $295Pricier

Pricier than 91% of homes nearby

Living area993 ft²
SmallerTypical 1,654 ft²Bigger

Bigger than 12% of homes nearby

Lot size1.27 ac
SmallerTypical 0.49 acBigger

Bigger than 65% of homes nearby

Year built1943
OlderTypical 1984Newer

Newer than 4% of homes nearby

How 28610 State Route 20 ranks against every home in each area.
MeasureThis homeOak Harbor 98277Island County
Estimated valuepricier than$411,46924% of homes13% of homes
Price per ft²pricier than$41491% of homes69% of homes
Living areabigger than993 ft²12% of homes13% of homes
Lot sizebigger than1.27 ac65% of homes60% of homes
Year builtnewer than19434% of homes7% of homes

About 28610 State Route 20

How much is 28610 State Route 20, Oak Harbor, WA worth?

The TopHap Estimate for 28610 State Route 20, Oak Harbor, WA is $411,469 as of Aug 30, 2026. The likely range is $372,286 to $450,652. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 28610 State Route 20, Oak Harbor, WA last sell?

28610 State Route 20, Oak Harbor, WA last sold on Dec 5, 2018 for $140,000, according to the county's recorded deed.

How big is 28610 State Route 20, Oak Harbor, WA?

28610 State Route 20, Oak Harbor, WA has 2 bedrooms, 1 bathrooms, 993 square feet of living space and a 1.27-acre lot.

When was 28610 State Route 20, Oak Harbor, WA built?

28610 State Route 20, Oak Harbor, WA was built in 1943, making it 83 years old. The building has 1 story.

What schools serve 28610 State Route 20, Oak Harbor, WA?

28610 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 28610 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 24% of them ($411,469 against a typical $498,358), its price per square foot is higher than 91% of them ($414 against a typical $295), it is bigger than 12% of them (993 ft² against a typical 1,654 ft²), its lot is bigger than 65% of them (1.27 ac against a typical 0.49 ac) and it is newer than 4% of them (1943 against a typical 1984). Measured against all of Island County, it is worth more than 13% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on State Route 20

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More homes in Oak Harbor 98277

Assigned schools

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