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Single Family ResidenceResidential
$578,348$596 / 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 95How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Oct 21, 2026

4820 SETTLERS LN

FREELAND, WA 98249
2
Beds
1
Baths
970 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.
5 ac
Lot SizeThe size of the land the home sits on, from county records.
2005
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.

Valuation

$578K
$549K low$607K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,454 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$559,850 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$370,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$189,850
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$542,130
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$559,850

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.26
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
22
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
39
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
59
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
12
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.16 in
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.5.00
ConstructionThe main material the home's frame and walls are built from.Wood (Unspecified)
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
FireplaceWhether the home has a fireplace, and what kind.Yes
GarageWhether the property has a garage, and details like whether it is attached to the home.Carport (Unspecified)
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 · 192 ft²

Transaction History(2)

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
South Whidbey Elementary SchoolB-
Elementary · Grades KG–5 · 4.2 mi
H
South Whidbey High SchoolA
High · Grades 9–12 · 4.5 mi
M
South Whidbey Middle SchoolB-
Middle · Grades 6–8 · 4.5 mi

District: South Whidbey School District

Neighborhood · ZIP 98249These 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.146
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.102
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.300

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.74%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.31%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.1%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.4,390
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.179 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$90,838
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$118,171
Average tempThe average temperature here across a full year.51°F
Annual precipHow much rain and melted snow falls here in a typical year.25 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

4820 Settlers Ln 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 82% of homes in Freeland 98249
  • Costs more per square foot than 89% of homes in Island County
  • Smaller than 90% of homes in Freeland 98249
  • Has a bigger lot than 93% of homes in Freeland 98249
  • Newer than 82% of homes in Island County

What homes are worth in Freeland 98249

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

This home
$396K$3M

This home is worth more than 18% of homes in Freeland 98249.

How it measures up in Freeland 98249

The dot is this home. The mark in the middle is the typical home in Freeland 98249.

Estimated value$578,348
CheaperTypical $771,595Pricier

Pricier than 18% of homes nearby

Price per ft²$596
CheaperTypical $423Pricier

Pricier than 79% of homes nearby

Living area970 ft²
SmallerTypical 1,824 ft²Bigger

Bigger than 10% of homes nearby

Lot size5 ac
SmallerTypical 0.33 acBigger

Bigger than 93% of homes nearby

Year built2005
OlderTypical 1991Newer

Newer than 77% of homes nearby

How 4820 Settlers Ln ranks against every home in each area.
MeasureThis homeFreeland 98249Island County
Estimated valuepricier than$578,34818% of homes38% of homes
Price per ft²pricier than$59679% of homes89% of homes
Living areabigger than970 ft²10% of homes10% of homes
Lot sizebigger than5 ac93% of homes92% of homes
Year builtnewer than200577% of homes82% of homes

About 4820 Settlers Ln

How much is 4820 Settlers Ln, Freeland, WA worth?

The TopHap Estimate for 4820 Settlers Ln, Freeland, WA is $578,348 as of Oct 21, 2026. The likely range is $549,491 to $607,205. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 4820 Settlers Ln, Freeland, WA last sell?

4820 Settlers Ln, Freeland, WA last sold on Jan 1, 1900, according to the county's recorded deed.

How big is 4820 Settlers Ln, Freeland, WA?

4820 Settlers Ln, Freeland, WA has 2 bedrooms, 1 bathrooms, 970 square feet of living space and a 5.00-acre lot.

When was 4820 Settlers Ln, Freeland, WA built?

4820 Settlers Ln, Freeland, WA was built in 2005, making it 21 years old. The building has 1 story.

What schools serve 4820 Settlers Ln, Freeland, WA?

4820 Settlers Ln, Freeland, WA is assigned to South Whidbey Elementary School (elementary), rated B-; South Whidbey High School (high), rated A; South Whidbey Middle School (middle), rated B-. All sit in South Whidbey School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 4820 Settlers Ln, Freeland, WA compare to other homes in Freeland 98249?

Among the 3,332 homes in Freeland 98249, it is worth more than 18% of them ($578,348 against a typical $771,595), its price per square foot is higher than 79% of them ($596 against a typical $423), it is bigger than 10% of them (970 ft² against a typical 1,824 ft²), its lot is bigger than 93% of them (5 ac against a typical 0.33 ac) and it is newer than 77% of them (2005 against a typical 1991). Measured against all of Island County, it is worth more than 38% 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 4820 Settlers Ln, Freeland, WA?

The 2026 property tax bill for 4820 Settlers Ln, Freeland, WA was $4,454. The county assessed it at $559,850.

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