Sold230d on market

1658 Stephen Street

Oak Harbor, WA, 98277 • 98277 • Island County

$385,000

$561/sqft

1Beds

1Baths

686Sqft

0.56 acLot

1965Built

Property DNA

7 highlights

Waterfront Property

Direct water access

Scenic Views

Partial · Sound · Territorial

Rolling Hills

98277

Outdoor Living

Double Pane/Storm Window · Fireplace · Water Heater

1 Fireplace

See Remarks · Wood Burning · Main Level: 1 · Fireplace

1-Car Garage

Driveway · Detached Garage

Ceramic Tile Floors

Quality flooring throughout

This home is in high demand

Listed 230 days ago · 2 views · Top 4% likely to sell soon

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Market activity

Demand and pricing signals for this listing

2 views

People checking out this listing

230 days on market

Established listing

$561/sqft

Price per square foot

Selling Soon Prediction

Very High

This home ranks in the top 4% of listings most likely to go under contract soon, based on market activity and demand signals.

Likelihood score

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About this home

Single Family · Built 1965

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!

Standout features identified

Our analysis highlights detached garage and spacious lot as key attractions of this home.

Estimated monthly payment

Based on current rates

$2,512/month

Principal & Interest$1,883

Property Tax$385

Insurance$128

HOA$115

Down payment20% ($77,000)

3%50%

Est. 6.18% rate · 30yr fixed · $308,000 loan

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At a glance

Key facts and listing details

TypeSingle Family Residence

Year Built1965

HeatingFireplace, Other – See Remarks, Stove/Free Standing, Wall Unit(s), Electric

CoolingNone

Parking1 Garage space

HOA$115 monthly

Lot0.56 Acres

Property

Home typeSingle Family

Sub-typeSingle Family Residence

ConditionGood

Year built1965

Stories1

Systems

HeatingFireplace, Other – See Remarks, Stove/Free Standing, Wall Unit(s), Electric

CoolingNone

RoofComposition

ConstructionMetal/Vinyl

Water / SewerCommunity, Company: Rolling Hills Glencairn / Septic Tank

Parking & Outdoor

ParkingDriveway, Detached Garage

Garage1 spaces

BasementNone

Fireplaces1

Lot0.56 Acres

Location & Tax

Neighborhood98277

Annual tax$2,123

ParcelS805000040080

Bathrooms & Fees

Full baths1

HOA$115/mo

Features & details

13 categories of property features

Interior Features

Appliances

Dishwasher(s)

Dryer(s)

Microwave(s)

Refrigerator(s)

See Remarks

Stove(s)/Range(s)

Washer(s)

Water Heater: Electric

Water Heater Location: Bedroom closet

Flooring

Ceramic Tile

Vinyl Plank

Heating

Fireplace

Other – See Remarks

Stove/Free Standing

Wall Unit(s)

Electric

Cooling

None

Fireplace

See Remarks

Wood Burning

Main Level: 1

Fireplace

Windows

Double Pane/Storm Window

Exterior Features

Parking

Driveway

Detached Garage

Construction

Metal/Vinyl

Patio & Porch

Double Pane/Storm Window

Fireplace

Water Heater

Lot Features

Paved

Fenced-Partially

Outbuildings

Shop

Community

Boat Launch

CCRs

Clubhouse

Park

Views

Partial

Sound

Territorial

Pool Features

Community

Room details

5 rooms detailed

Master Bedroom

Main

Bathroom Full

Main

Entry Hall

Main

Kitchen Without Eating Space

Main

Living Room

Main

Listing insights

Market data and value estimates

StatusSold

Days on market230

Est. value$389,500

Est. rent$1,559/mo

Tax rate0.64%

Price/sqft$561

On marketSep 15, 2025

PostedJul 10, 2025

Last sold$385,000

MLS statusSold

MLS updatedSep 20, 2025

Tour days6

How are the schools in Oak Harbor?

3 schools rated nearby

Coupeville Elementary School

Primary • Public • PK-5

2.3 mi

Coupeville Middle School

Middle • Public • 6-8

2.6 mi

Coupeville High School

High • Public • 9-12

2.6 mi

Location

Oak Harbor, WA, 98277

Expand map

Price history

9 events

DateEventPrice$/sqftSource

Aug 20, 2025Sold$385,000$561NWMLS as distributed by MLS GRID

Jul 16, 2025Pending Sale$375,000$547NWMLS as distributed by MLS GRID

Jul 10, 2025Listed For Sale$375,000$547NWMLS as distributed by MLS GRID

Dec 31, 2019Sold$240,000$350NWMLS as distributed by MLS GRID

Nov 3, 2014Sold$138,500$202NWMLS as distributed by MLS GRID

Sep 14, 2014Pending Sale$139,900$204Windermere Real Estate/Whidbey Island

Aug 5, 2014Listed For Sale$139,900$204Windermere Real Estate/Whidbey Island

Jun 26, 2008Listing Removed$179,900$262Buyer Realty Network

Jun 6, 2008Listed For Sale$179,900$262Buyer Realty Network

Sold$385,000

Aug 20, 2025•$561/sqft•NWMLS as distributed by MLS GRID

Pending Sale$375,000

Jul 16, 2025•$547/sqft•NWMLS as distributed by MLS GRID

Listed For Sale$375,000

Jul 10, 2025•$547/sqft•NWMLS as distributed by MLS GRID

Sold$240,000

Dec 31, 2019•$350/sqft•NWMLS as distributed by MLS GRID

Sold$138,500

Nov 3, 2014•$202/sqft•NWMLS as distributed by MLS GRID

Pending Sale$139,900

Sep 14, 2014•$204/sqft•Windermere Real Estate/Whidbey Island

Listed For Sale$139,900

Aug 5, 2014•$204/sqft•Windermere Real Estate/Whidbey Island

Listing Removed$179,900

Jun 26, 2008•$262/sqft•Buyer Realty Network

Listed For Sale$179,900

Jun 6, 2008•$262/sqft•Buyer Realty Network

Tax history

20 years of records

YearTax paidAssessed value

Apr 8, 2024$2,123$333,447

Apr 8, 2023$2,485$345,180

Apr 8, 2022$2,548$334,922

Apr 8, 2021$2,461$281,299

Apr 8, 2020$1,969$238,441

Apr 8, 2019$1,737$248,501

Apr 8, 2018$2,040$211,700

Apr 8, 2017$1,894$197,214

Apr 8, 2016$1,614$178,244

Apr 8, 2015$1,417$149,273

Apr 8, 2013—$98,920

Apr 8, 2012——

Apr 8, 2010——

Apr 8, 2009—$127,959

Apr 8, 2008—$129,991

Apr 8, 2007—$130,822

Apr 8, 2006—$132,374

Apr 8, 2005—$91,754

Apr 8, 2002—$92,221

Apr 8, 2000$806$82,656

Nearby homes

Recently Sold

$438,000

2 bd2 ba1,338 sqft

1677 Phillip St, Oak Harbor, WA

Recently Sold

$470,000

3 bd2 ba1,966 sqft

1671 Phillip St, Oak Harbor, WA

Off Market

$535,200

3 bd2 ba2,368 sqft

1723 W Stephen St, Oak Harbor, WA

Recently Sold

$280,000

2 bd2 ba1,344 sqft

1622 Stephen St, Oak Harbor, WA

Recently Sold

$495,000

2 bd2 ba1,732 sqft

1700 Phillip St, Oak Harbor, WA

Off Market

$295,200

2 bd2 ba1,242 sqft

911 W Diane Ave, Oak Harbor, WA

Recently Sold

$440,000

2 bd1 ba1,003 sqft

919 Shawn Ave, Oak Harbor, WA

Off Market

$377,600

3 bd2 ba1,726 sqft

1705 W Stephen St, Oak Harbor, WA

Neighborhood details

Local context around this listing

Oak Harbor, WA • Island County

Nearby cities

Camano IslandClintonCoupevilleFreelandGreenbankLangleyOak Harbor

Nearby zip codes

9827798278

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Value estimates

Live

Est. value$389,500

Est. rent$1,559/mo

30yr rate est.6.18%

Affordability$2,320/mo

Accepted financing

ConventionalFHAState BondUSDA LoanVA Loan

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Based on information submitted to the MLS GRID as of 2026-04-08 00:29:19 PDT. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information. [Click here for more information](/mls-disclaimers/#39)

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