115 W 4th St, Everson, WA 98247 Property Records

Whatcom County property record for 115 W 4th St, Everson, WA 98247

Property Summary

Property Type	Duplex
Details	2 bd · 1 ba · 1,856 sqft · built 1977
Lot Size	0.229 acres (10,001 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jun 2022)
Tax Bill	$4,024 (2025)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`592133`

Property Details

APN / Parcel Number

Primary APN	`592133`
Alternative APNs	`400430 204101 0000` `139459` `531225`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,856 sqft Living Area
1st Floor Area	1,856 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	10,001 sqft (0.229 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	531225
Street Address	115 W 4TH ST
City	EVERSON
State	WA
Zip	98247-9314
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	RES
Legal Description	EAST EVERSON LOTS 3-4 BLK 4
Legal Range	04
Legal Township	40
Legal Section	30
Legal Subdivision	EAST EVERSON
Legal Block	4
Legal Lot Number	3 4
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	2
Census Block	2015
Census Tract	10202

Owner

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

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 File
Co-owner	Verified Secondary Owner
Mailing Address	6 SPINNAKER LN, BELLINGHAM, WA 98229-7942
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2022	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
Oct 28, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC
Mar 6, 2020	Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Prior Sale	Jun 3, 2016 · Amount on Record
Deed Document Number	2022-0600465
Record Updated	Jun 8, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 6, 2022
Property Address	115 W 4TH ST, EVERSON, WA 98247-9314
Document Number	0000600465
Map Reference	VOL 5 PG 35
Instrument Date	May 25, 2022
Instrument	2022-0600465
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,525.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6 SPINNAKER LN, BELLINGHAM, WA 98229-7942

Mortgage

Document Number	0000600466
Date	Jun 6, 2022
Instrument	2022-0600466

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

Interest

Change Frequency	Annually

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	115 W 4TH ST, EVERSON, WA 98247-9314
Document Number	2201101238
Instrument Date	Oct 28, 2020
Transaction Type	Mortgage
Record Updated	Nov 13, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	115 W 4TH ST EVERSON WA 982479314, EVERSON, WA 98247-9314

Mortgage

Document Number	2201101238
Date	Nov 6, 2020
Instrument	1101238

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 5, 2050

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	115 W 4TH ST, EVERSON, WA 98247-9314
Document Number	2200301377
Instrument Date	Mar 6, 2020
Transaction Type	Mortgage
Record Updated	Apr 9, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	115 W 4TH ST EVERSON WA 982479314, EVERSON, WA 98247-9314

Mortgage

Document Number	2200301377
Date	Mar 12, 2020
Instrument	301377

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 11, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,024.00 (+20.19%)	$437,252 (+12.32%) Land $188,100 Building $249,152	$437,252 (+12.32%) Land $188,100 Building $249,152
2022		$389,274 Land $139,608 Building $249,666	$389,274 Land $139,608 Building $249,666
2021	$3,348.00

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 126 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	131 units insured incl. 5 condo units
Nearby Flood Claims	123 (2020–2025)
Claims Outside the SFHA	6 of 123
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 120 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 3 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Drinking Water

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

Water System	CITY OF EVERSON serves 3,893 people · EPA ID WA5324200
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None 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 89 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
AT&T Fixed Wireless	100 / 20

May also be available: Radiate Holdings.

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