Listed by John L. Scott Anacortes, Bought with Windermere RE/South Whidbey
$385,000
SOLD AUG 20, 2025

1658 Stephen St Oak Harbor, WA 98277

1 Bed
1 Bath
686 Sq Ft
0.56 Acres

Recently Sold

$561 Per Sq Ft

3% Above List Price

5 Days on Market

Highlights

  • Views of a Sound
  • Community Boat Launch
  • Wood Burning Stove
  • Coupeville Elementary School Rated A-
  • Clubhouse
  • Property is near public transit

About This Home

As of August 2025

Situated between the convenience of Oak Harbor and the charm of downtown Coupeville, this affordable rambler is perfect for first-time buyers or those seeking a budget-friendly option. Offering comfortable living with a spacious lot, you'll have plenty of space to enjoy gardening or add future upgrades. The property includes a detached garage providing plenty of storage and space for hobbies. Numerous updates and upgrades were done in recent years, including: flooring, roofing, septic replacement, and appliances. HOA covers your water bill and includes use of pool, sport court/field, clubhouse, beach, and boat launch! Don't let this one slip away!

Last Agent to Sell the Property

Jeff Smith

John L. Scott Anacortes License #140437 Listed on: 07/10/2025

John L. Scott Anacortes

Last Buyer's Agent

Carter Ulibarri

Windermere RE/South Whidbey License #23020462

Windermere RE/South Whidbey

Source: Northwest Multiple Listing Service (NWMLS)

MLS#: 2404895

Northwest Multiple Listing Service (NWMLS)

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,123

Year Built

  • Built in 1965

Lot Details

  • 0.56 Acre Lot
  • South Facing Home
  • Partially Fenced Property
  • Level Lot
  • Garden
  • Property is in good condition

HOA Fees

  • $115 Monthly HOA Fees

Parking

  • 1 Car Detached Garage
  • Driveway

Property Views

  • Views of a Sound
  • Territorial
  • Limited

Home Design

  • Block Foundation
  • Composition Roof
  • Metal Construction or Metal Frame
  • Vinyl Construction Material

Interior Spaces

  • 686 Sq Ft Home
  • 1-Story Property
  • Wood Burning Stove
  • Wood Burning Fireplace
  • Storm Windows

Kitchen

  • Stove
  • Microwave
  • Dishwasher

Flooring

  • Ceramic Tile
  • Vinyl Plank

Bedrooms and Bathrooms

  • 1 Main Level Bedroom
  • Bathroom on Main Level
  • 1 Full Bathroom

Laundry

  • Dryer
  • Washer

Outdoor Features

  • Outbuilding

Location

  • Property is near public transit
  • Property is near a bus stop

Schools

  • Oak Harbor High School

Utilities

  • Heating System Mounted To A Wall or Window
  • Water Heater
  • Septic Tank

Listing and Financial Details

Community Details

Overview

  • Ruby Hall Association
  • Secondary HOA Phone (360) 678-7446
  • Rolling Hills Subdivision
  • The community has rules related to covenants, conditions, and restrictions

Amenities

  • Clubhouse

Recreation

  • Community Boat Launch
  • Park

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,123

Year Built

Built in 1965

Lot Details

0

HOA Fees

$115 per month

Parking

1

Listing Details

  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • StyleCode: 10 - 1 Story
  • Year Built: 1965
  • Inclusions: Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),See Remarks,Stove(s)/Range(s),Washer(s)
  • MLS Status: Sold
  • Prev Status: Closed
  • Unit Levels: One
  • New Construction: No
  • CalculatedSquareFootage: 686
  • SeniorExemption: false
  • NWM_ExcludedItemsYN: true
  • NWM_DPRUrl: https://www.workforce-resource.com/dpr/listing/NWMLS/2404895?w=Consumer&agent=128674
  • Special Features: None
  • Cumulative Days on Market: 21

Interior Features

  • Fireplaces: 1
  • Basement: None
  • Appliances: Dishwasher(s), Dryer(s), Microwave(s), Refrigerator(s), See Remarks, Stove(s)/Range(s), Washer(s)
  • Full Bathrooms: 1
  • Possible Bedrooms: 2
  • Total Bedrooms: 1
  • Entry Location: Main
  • Fireplace Features: See Remarks, Wood Burning
  • Fireplace: Yes
  • Flooring: Ceramic Tile, Vinyl Plank
  • Interior Amenities: Double Pane/Storm Window, Fireplace, Water Heater
  • Living Area: 686
  • Main Level Bathrooms: 1
  • Main Level Bedrooms: 1
  • Bathrooms: 1
  • BathsFullMain: 1
  • FireplacesMain: 1
  • SquareFootageFinished: 686
  • SquareFootageUnfinished: 0
  • BathsFullGarage: 0
  • BathsFullLower: 0
  • BathsFullUpper: 0
  • BathsHalfGarage: 0
  • BathsHalfLower: 0
  • BathsHalfMain: 0
  • BathsHalfUpper: 0
  • BathsThreeQuarterGarage: 0
  • BathsThreeQuarterLower: 0
  • BathsThreeQuarterMain: 0
  • BathsThreeQuarterUpper: 0
  • BedroomsLower: 0
  • BedroomsUpper: 0
  • AppliancesIncluded: Dishwasher(s),Dryer(s),Microwave(s),Refrigerator(s),See Remarks,Stove(s)/Range(s),Washer(s)
  • NWM_NumberOfBathtubs: 1
  • NWM_NumberOfShowers: 1

Exterior Features

  • Roof: Composition
  • View: Partial, Sound, Territorial
  • Lot Features: Paved
  • Pool Features: Community
  • View: Yes
  • Waterfront: No
  • Construction Type: Metal/Vinyl
  • Direction Faces: South
  • Exterior Features: Metal/Vinyl
  • Foundation Details: Block
  • Property Condition: Good
  • Structure Type: House
  • BusLineNearby: true
  • PoolType: Community
  • WaterAccess: Community Waterfront/Pvt Beach

Garage/Parking

  • Attached Garage: No
  • Carport Y N: No
  • Covered Parking Spaces: 1
  • Garage Spaces: 1
  • Garage Yn: Yes
  • Open Parking: No
  • Parking Features: Driveway, Detached Garage
  • Total Parking Spaces: 1

Utilities

  • Sewer: Septic Tank
  • Water Source: Community
  • Security: Partially Fenced
  • Cooling: None
  • Cooling Y N: No
  • Heating: Other – See Remarks, Stove/Free Standing, Wall Unit(s)
  • Heating Yn: Yes
  • PowerCompany: PSE
  • WaterCompany: Rolling Hills Glencairn
  • WaterHeaterLocation: Bedroom closet
  • WaterHeaterType: Electric

Condo/Co-op/Association

  • Community Features: Boat Launch, CCRs, Club House, Park
  • Senior Community: No
  • Association Fee: 115
  • Association Fee Frequency: Monthly
  • Phone: 360-678-7446
  • Association: Yes
  • AssociationContactName: Ruby Hall

Schools

  • Junior High Dist: Oak Harbor
  • High School: Oak Harbor High
  • Middle Or Junior School: Buyer To Verify

Lot Info

  • Parcel Number: S805000040080
  • Topography: Level,Partial Slope
  • Land Lease: No
  • Lot Size Acres: 0.559
  • Lot Size Sq Ft: 24350
  • Irrigation Water Rights: No
  • ShowMapLink: true
  • SiteFeatures: Fenced-Partially,Outbuildings,Shop
  • MLSLotSizeSource: Realist
  • MLSSquareFootageSource: Realist

Green Features

  • Power Production Type: Electric

Tax Info

  • Year: 2025
  • Tax Annual Amount: 2123

Multi Family

  • EnergySource: Electric

MLS Schools

  • Elementary School: Buyer To Verify

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Jul 10, 2025
Closed on
Aug 18, 2025
Sold by
Breiling Michael
Bought by
Haynes Lucas
Seller's Agent
Jeff Smith
John L. Scott Anacortes
Buyer's Agent
Carter Ulibarri
Windermere RE/South Whidbey
List Price
$375,000
Sold Price
$385,000
Premium/Discount to List
$10,000
2.67%
Views
18

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
-68.12%
Original Mortgage
$15,121
Outstanding Balance
$15,121
Interest Rate
6.72%
Mortgage Type
FHA
Estimated Equity
$348,487

Purchase Details

Listed on
Dec 31, 2019
Closed on
Dec 27, 2019
Sold by
Mangham Jason
Bought by
Breiling Michael
Seller's Agent
Cary Anderson
Keller Williams Western Realty
Buyer's Agent
Cary Anderson
Keller Williams Western Realty
List Price
$240,000
Sold Price
$240,000

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
8.74%
Original Mortgage
$9,264
Interest Rate
3.6%
Mortgage Type
Unknown

Purchase Details

Listed on
Aug 4, 2014
Closed on
Oct 30, 2014
Sold by
Kurtzell Carol L
Bought by
Mangham Jason
Seller's Agent
Craig McKenzie
Better Homes&Gardens McKenzie
Buyer's Agent
The Mayo Home Team
Global Referral Group, LLC
List Price
$139,900
Sold Price
$138,500
Premium/Discount to List
-$1,400
-1%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
11.24%
Original Mortgage
$124,650
Interest Rate
4.2%
Mortgage Type
VA

Purchase Details

Closed on
Jul 21, 2010
Sold by
Kurtzweil Jonathon P
Bought by
Kurtzweil Carol L

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$132,000
Interest Rate
4.52%
Mortgage Type
New Conventional
Source: Public Records

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Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $385,000 Chicago Title
Warranty Deed $240,000 Land T&E Of Island Co
Warranty Deed $138,500 Stewart Title
Interfamily Deed Transfer -- None Available
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $15,121 FHA
Open $378,026 FHA
Previous Owner $45,900 Credit Line Revolving
Previous Owner $38,790 FHA
Previous Owner $9,264 Unknown
Previous Owner $235,653 FHA
Previous Owner $124,650 VA
Previous Owner $132,000 New Conventional
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
08/20/2025 08/20/25 Sold $385,000 +2.7% $561 / Sq Ft
07/15/2025 07/15/25 Pending -- -- --
07/10/2025 07/10/25 For Sale $375,000 +56.3% $547 / Sq Ft
12/31/2019 12/31/19 Sold $240,000 0.0% $350 / Sq Ft
12/31/2019 12/31/19 For Sale $240,000 +73.3% $350 / Sq Ft
11/03/2014 11/03/14 Sold $138,500 -1.0% $202 / Sq Ft
09/13/2014 09/13/14 Pending -- -- --
08/04/2014 08/04/14 For Sale $139,900 -- $204 / Sq Ft
Source: Northwest Multiple Listing Service (NWMLS)

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2024 $2,485 $333,447 $210,000 $123,447
2023 $2,485 $345,180 $220,000 $125,180
2022 $2,461 $334,922 $220,000 $114,922
2021 $1,969 $281,299 $180,000 $101,299
2020 $2,040 $238,441 $140,000 $98,441
2019 $1,781 $248,501 $170,000 $78,501
2018 $1,894 $211,700 $135,000 $76,700
2017 $1,614 $197,214 $120,000 $77,214
2016 $1,417 $178,244 $100,000 $78,244
2015 $932 $149,273 $70,000 $79,273
2013 -- $98,920 $55,000 $43,920
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Northwest Multiple Listing Service (NWMLS)

MLS Number: 2404895

Northwest Multiple Listing Service (NWMLS)

APN: S8050-00-04008-0