1160 Garden Dr, Lynden, WA 98264 Property Records

Whatcom County property record for 1160 Garden Dr, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,086 sqft · built 1974
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on File
Last Sale	$680,000 (Jun 2026)
Tax Bill	$5,424 (2025)
Deeds & Mortgages	Apr 2025 Line of Credit Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400316-234074-0000`

Property Details

APN / Parcel Number

Primary APN	`400316-234074-0000`
Alternative APNs	`129124` `593429` `531569`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Building Area	2,086 sqft Living Area
Gross Area	2,800 sqft
1st Floor Area	700 sqft
Basement Area	686 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1990
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	14,375 sqft (0.33 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	28 sqft
Patio Area	210 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	129124
Street Address	1160 GARDEN DR
City	LYNDEN
State	WA
Zip	98264-1023
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	GELEYN-KO PARK DIV NO 1 LOT 11
Legal Range	03
Legal Township	40
Legal Section	16
Legal Subdivision	GELEYN-KO PARK DIV NO 1
Legal Block	2
Legal Lot Number	11
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2012
Census Tract	10303

Owner

1160 Garden Dr is owned and occupied by two individuals who bought it in June 2026.

Source: Whatcom County records, as of June 22, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1160 GARDEN DR, LYNDEN, WA 98264-1023
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2025	Deed of Trust, Mortgage · Line of Credit BOEING EMPLOYEES CU
Jun 12, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERGREEN MONEYSOURCE MORTGAGE COMPANY
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage BOEING EMPLOYEES CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2026 · Amount on File
Deed Sale	Jun 12, 2026 · Amount on File
Prior Sale	Jul 21, 2022 · Amount on File
Deed Document Number	2026061143
Record Updated	Oct 29, 2026

April 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1160 GARDEN DR, LYNDEN, WA 98264-1023
Transaction Type	Mortgage
Record Updated	Jun 26, 2026
Title Company	STEWART TITLE, STEWART TTL GUARANTY NON CA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	31301 PRUDHOE BAY AVE, EAGLE RIVER, AK 99577-9734

Mortgage

Document Number	0000402285
Date	Apr 29, 2025
Instrument	2025-0402285

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union
Address	SEATTLE, WA 98124

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	300 Months
Due	Apr 21, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 12, 2026
Property Address	1160 GARDEN DR, LYNDEN, WA 98264-1023
Document Number	0000001143
Instrument Date	May 8, 2026
Instrument	20261143
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,127,564.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1160 GARDEN DR, LYNDEN, WA 98264-1023

Mortgage

Document Number	0000001144,
Date	Jun 12, 2026
Instrument	2026061144

Lender

Name	EVERGREEN MONEYSOURCE MORTGAGE COMPANY

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 21, 2022
Property Address	1160 GARDEN DR, LYNDEN, WA 98264-1023
Document Number	0000702128
Map Reference	VOL 12 PG 81
Instrument Date	Jul 13, 2022
Instrument	2022-0702128
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,102.20
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	1160 GARDEN DR, LYNDEN, WA 98264-1023

Mortgage

Document Number	0000702129
Date	Jul 21, 2022
Instrument	2022-0702129

Lender

Name	BOEING EMPLOYEES CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2052

Interest

Rate Type	Fixed Rate
Rate	4.62%
Adjustable	Adjustable Rate Rider
Type Change Date	Aug 1, 2032
Change Frequency	Monthly
Min Rate At Change	3%
Max Rate At Change	9.62%
Index	12-Month MTA
Margin	3
Max Rate	9.62%

Tax Assessment & Valuation

The 2025 property tax bill for 1160 Garden Dr was $5,424.

Source: Whatcom County assessment roll, as of December 30, 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	$5,424.00	$735,448 Land $300,108 Building $435,340	$735,448 Land $300,108 Building $435,340
2022		$542,525 Land $153,434 Building $389,091	$542,525 Land $153,434 Building $389,091
2021	$4,056.00

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

Flood

FEMA maps place 1160 Garden Dr in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.

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

Wildfire risk around 1160 Garden Dr is low, with less than a 0.01% annual chance of 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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