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Single Family ResidentialResidential
$669,592$299 / 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
Last sold for $385,000 on Dec 27, 2007

2040 SW ROCK ROSE DR

OAK HARBOR, WA 98277
4
Beds
3
Baths
2,242 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.
2007
Year BuiltThe year the home was originally built, according to county records.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$670K
$654K low$686K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$385,000 · Dec 27, 2007
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.$369,342
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$295,474
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.49%
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.$300,250
QUICKEN LNS · recorded Feb 20, 2020

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.$664,982 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$200,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$464,982
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$658,890
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$664,982

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.34
57
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
13
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.
44
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
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.8 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Single Family Residential
CountyIsland
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.Gas
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.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 · 512 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
Hillcrest Elementary SchoolA+
Elementary · Grades KG–4 · 1.3 mi
H
Oak Harbor High SchoolB-
High · Grades 9–12 · 1.4 mi
M
North Whidbey Middle SchoolB+
Middle · Grades 7–8 · 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.Owner occupied
Company ownedWhether the owner is a company or trust rather than a person.No

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

2040 Sw Rock Rose 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 79% of homes in Oak Harbor 98277
  • Costs less per square foot than 72% of homes in Island County
  • Bigger than 80% of homes in Oak Harbor 98277
  • Newer than 88% 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
$238K$1.2M

This home is worth more than 79% 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$669,592
CheaperTypical $511,405Pricier

Pricier than 79% of homes nearby

Price per ft²$299
CheaperTypical $301Pricier

Pricier than 48% of homes nearby

Living area2,242 ft²
SmallerTypical 1,656 ft²Bigger

Bigger than 80% of homes nearby

Year built2007
OlderTypical 1984Newer

Newer than 88% of homes nearby

How 2040 Sw Rock Rose Dr ranks against every home in each area.
MeasureThis homeOak Harbor 98277Island County
Estimated valuepricier than$669,59279% of homes56% of homes
Price per ft²pricier than$29948% of homes28% of homes
Living areabigger than2,242 ft²80% of homes74% of homes
Year builtnewer than200788% of homes86% of homes

About 2040 Sw Rock Rose Dr

How much is 2040 Sw Rock Rose Dr, Oak Harbor, WA worth?

The TopHap Estimate for 2040 Sw Rock Rose Dr, Oak Harbor, WA is $669,592 as of Jul 14, 2026. The likely range is $653,684 to $685,500. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 2040 Sw Rock Rose Dr, Oak Harbor, WA last sell?

2040 Sw Rock Rose Dr, Oak Harbor, WA last sold on Dec 27, 2007 for $385,000, according to the county's recorded deed. TopHap holds 2 recorded sales for this parcel.

How big is 2040 Sw Rock Rose Dr, Oak Harbor, WA?

2040 Sw Rock Rose Dr, Oak Harbor, WA has 4 bedrooms, 3 bathrooms and 2,242 square feet of living space.

When was 2040 Sw Rock Rose Dr, Oak Harbor, WA built?

2040 Sw Rock Rose Dr, Oak Harbor, WA was built in 2007, making it 19 years old.

What schools serve 2040 Sw Rock Rose Dr, Oak Harbor, WA?

2040 Sw Rock Rose Dr, 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 2040 Sw Rock Rose Dr, 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 79% of them ($669,592 against a typical $511,405), its price per square foot is higher than 48% of them ($299 against a typical $301), it is bigger than 80% of them (2,242 ft² against a typical 1,656 ft²) and it is newer than 88% of them (2007 against a typical 1984). Measured against all of Island County, it is worth more than 56% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Sw Rock Rose Dr

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Assigned schools

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See this home in context

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