1165 Elm St, Lynden, WA 98264 Property Records

Whatcom County property record for 1165 Elm St, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,580 sqft · built 2002
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Company Names on File
Last Sale	$445,000 (Oct 2021)
Tax Bill	$3,495 (2025)
Deeds & Mortgages	Oct 2026 Sale Oct 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`400316-230443-0000`

Property Details

APN / Parcel Number

Primary APN	`400316-230443-0000`
Alternative APNs	`129114` `585828`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,580 sqft Living Area
Gross Area	2,348 sqft
1st Floor Area	1,060 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Siding Sheathing
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	5,227 sqft (0.12 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	80 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	129114
Street Address	1165 ELM ST
City	LYNDEN
State	WA
Zip	98264-8538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RM1
Legal Description	GREENFIELD VILLAGE DIV 4 LOT 21
Legal Range	03
Legal Township	40
Legal Section	16
Legal Subdivision	GREENFIELD VILLAGE DIV 4
Legal Block	2
Legal Lot Number	21
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2002
Census Tract	10303

Owner

Source: Whatcom County records, as of October 13, 2026

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

Owner of Record	2 Company Names on File
Mailing Address	1968 AARON DR, LYNDEN, WA 98264-3964
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer NONE LISTED ON DOCUMENT
Oct 21, 2021	Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK
Oct 26, 2021	CHICAGO TITLE BELLINGHAM
Dec 14, 2019	Deed of Trust, Mortgage · Line of Credit FIGURE LNDG LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Prior Sale	Oct 21, 2021 · Amount on File
Deed Document Number	20214051
Prior Transfer Date	Oct 4, 2021
Prior Transfer Doc	0001004051
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 2, 2026
Property Address	1165 ELM ST, LYNDEN, WA 98264-8538
Document Number	0000000221
Instrument Date	Oct 1, 2026
Instrument	202610221
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant
Address	1968 AARON DR, LYNDEN, WA 98264-3964

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 21, 2021
Property Address	1165 ELM ST, LYNDEN, WA 98264-8538
Document Number	20211003246
Map Reference	AF 2001000201
Instrument Date	Oct 4, 2021
Instrument	2021-1003246
Transaction Type	Transfer
Record Updated	Oct 27, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,125.00
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	1968 AARON DR, LYNDEN, WA 98264-3922
Investor	Possibly a Property Investor

Mortgage

Document Number	20211003247
Date	Oct 21, 2021
Instrument	2021-1003247

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

October 2021:

Jurisdiction	WHATCOM WA
Recording Date	Oct 26, 2021
Property Address	1165 ELM ST, LYNDEN, WA 98264-8538
Document Number	20211004051
Map Reference	FILE 2001000201
Instrument Date	Oct 4, 2021
Instrument	2021-1004051
Record Updated	Nov 1, 2021
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Tax	$7,125.00
Amount Accuracy	Calculated from Transfer Tax

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1968 AARON DR, LYNDEN, WA 98264-3922
Investor	Possibly a Property Investor

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1165 ELM ST, LYNDEN, WA 98264-8538
Document Number	2191202642
Instrument Date	Dec 14, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1165 ELM ST LYNDEN WA 982648538, LYNDEN, WA 98264-8538

Mortgage

Document Number	2191202642
Date	Dec 19, 2019
Instrument	1202642

Lender

Name	FIGURE LNDG LLC
Address	SAN FRANCISCO, CA 94108

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Dec 18, 2034

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

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	$3,495.00 (+1.1%)	$477,498 (+4.49%) Land $218,260 Building $259,238	$477,498 (+4.49%) Land $218,260 Building $259,238
2024	$3,457.00 (+10.17%)	$456,977 (+8.72%) Land $200,000 Building $256,977	$456,977 (+8.72%) Land $200,000 Building $256,977
2022		$420,320 Land $140,798 Building $279,522	$420,320 Land $140,798 Building $279,522
2021	$3,138.00

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	Not rated no burnable land within 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 365 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: T-Mobile.

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