1012 Ridgeway Dr, Lynden, WA 98264 Property Records

Whatcom County property record for 1012 Ridgeway Dr, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,954 sqft · built 1990
Lot Size	0.26 acres (11,369 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,683 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Jun 2022 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`75662`

Property Details

APN / Parcel Number

Primary APN	`75662`
Alternative APNs	`400316 166142 0000` `128788`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,954 sqft Living Area
1st Floor Area	1,336 sqft
2nd Floor Area	780 sqft

Exterior

Year Built	Built 1990
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	11,369 sqft (0.26 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	42 sqft
Deck Area	192 sqft
Storage Building	384 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	75662
Street Address	1012 RIDGEWAY DR
City	LYNDEN
State	WA
Zip	98264-1058
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	EAST-LYN LOT 6
Legal Range	03
Legal Township	40
Legal Section	16
Legal Subdivision	EAST-LYN
Legal Lot Number	6
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2012
Census Tract	10303

Owner

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2026	Deed of Trust, Mortgage · Line of Credit ESA CREDIT UNION
Jun 23, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage WHATCOM EDUCATIONAL CU
Jul 24, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC
Jan 22, 2018	Deed of Trust, Mortgage · Conventional with PMI BANK OF PACIFIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Apr 17, 2026
Property Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Document Number	0000001381
Instrument Date	Apr 9, 2026
Instrument	20261381
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001381,
Date	Apr 17, 2026
Instrument	20261381

Lender

Name	ESA CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Apr 28, 2051

Interest

Rate	6.11%
Max Rate	-1%

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Transaction Type	Mortgage
Record Updated	Jun 29, 2022
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000602495
Date	Jun 23, 2022
Instrument	2022-0602495

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jul 1, 2037

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Document Number	2200704856
Instrument Date	Jul 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 5, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1012 RIDGEWAY DR LYNDEN WA 982641058, LYNDEN, WA 98264-1058

Mortgage

Document Number	2200704856
Date	Jul 29, 2020
Instrument	704856

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 28, 2040

January 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1012 RIDGEWAY DR, LYNDEN, WA 98264-1058
Document Number	2180103095
Instrument Date	Jan 22, 2018
Transaction Type	Mortgage
Record Updated	Feb 6, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1012 RIDGEWAY DR LYNDEN WA 982641058, LYNDEN, WA 98264-1058

Mortgage

Document Number	2180103095
Date	Jan 29, 2018
Instrument	103095

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	240 Months
Due	Jan 28, 2038

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Lynden City
Unified School District	Lynden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,683.00 (+34.88%)	$618,912 (+33.1%) Land $272,825 Building $346,087	$618,912 (+33.1%) Land $272,825 Building $346,087
2022		$465,001 Land $153,434 Building $311,567	$465,001 Land $153,434 Building $311,567
2021	$3,472.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1990)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 1990 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Nov 1990 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 99.4% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LYNDEN WATER DEPARTMENT serves 20,062 people · EPA ID WA5349150
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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