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Single Family ResidentialResidential
$794,144$412 / 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 94How 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 $424,900 on Mar 14, 2006

978 RIDGE DR

FREELAND, WA 98249
2
Beds
2
Baths
1,926 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.
1996
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$794K
$745K low$844K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$424,900 · Mar 14, 2006
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.$454,224
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$363,379
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.39%
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.$339,920
HOMESTONE MORTGAGE INC · recorded Mar 14, 2006

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.$773,716 (2025)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$390,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$383,716
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$779,773
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$773,716

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.40
70
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
24
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.
56
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.11 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.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
ConstructionThe main material the home's frame and walls are built from.Log
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.Floor/Wall Furnace
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, Detached
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.BalconyPatio · 48 ft²Porch · 224 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 · 7.0 mi
H
South Whidbey High SchoolA+
High · Grades 9–12 · 7.1 mi
M
South Whidbey Middle SchoolB
Middle · Grades 6–8 · 7.1 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%

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.Yes

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

978 Ridge 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 71% of homes in Island County
  • Costs more per square foot than 65% of homes in Island County
  • Newer than 65% 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
$297K$2.9M

This home is worth more than 56% 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$794,144
CheaperTypical $758,974Pricier

Pricier than 56% of homes nearby

Price per ft²$412
CheaperTypical $439Pricier

Pricier than 43% of homes nearby

Living area1,926 ft²
SmallerTypical 1,724 ft²Bigger

Bigger than 61% of homes nearby

Year built1996
OlderTypical 1991Newer

Newer than 58% of homes nearby

How 978 Ridge Dr ranks against every home in each area.
MeasureThis homeFreeland 98249Island County
Estimated valuepricier than$794,14456% of homes71% of homes
Price per ft²pricier than$41243% of homes65% of homes
Living areabigger than1,926 ft²61% of homes62% of homes
Year builtnewer than199658% of homes65% of homes

About 978 Ridge Dr

How much is 978 Ridge Dr, Freeland, WA worth?

The TopHap Estimate for 978 Ridge Dr, Freeland, WA is $794,144 as of Jul 14, 2026. The likely range is $744,633 to $843,655. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 978 Ridge Dr, Freeland, WA last sell?

978 Ridge Dr, Freeland, WA last sold on Mar 14, 2006 for $424,900, according to the county's recorded deed.

How big is 978 Ridge Dr, Freeland, WA?

978 Ridge Dr, Freeland, WA has 2 bedrooms, 2 bathrooms and 1,926 square feet of living space.

When was 978 Ridge Dr, Freeland, WA built?

978 Ridge Dr, Freeland, WA was built in 1996, making it 30 years old. The building has 2 stories.

What schools serve 978 Ridge Dr, Freeland, WA?

978 Ridge Dr, 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 978 Ridge Dr, Freeland, WA compare to other homes in Freeland 98249?

Among the 3,439 homes in Freeland 98249, it is worth more than 56% of them ($794,144 against a typical $758,974), its price per square foot is higher than 43% of them ($412 against a typical $439), it is bigger than 61% of them (1,926 ft² against a typical 1,724 ft²) and it is newer than 58% of them (1996 against a typical 1991). Measured against all of Island County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

More homes on Ridge Dr

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Assigned schools

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