1171 Elm St, Lynden, WA 98264 Property Records

Whatcom County property record for 1171 Elm St, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,960 sqft · built 2002
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on Record
Last Sale	$579,300 (May 2026)
Tax Bill	$3,772 (2025)
Deeds & Mortgages	Jan 2022 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`400316-234443-0000`

Property Details

APN / Parcel Number

Primary APN	`400316-234443-0000`
Alternative APNs	`129127` `494033`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,960 sqft Living Area
Gross Area	2,648 sqft
1st Floor Area	854 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Exterior Material	Combination
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	Covered Concrete/Masonry Porch
Porch Area	112 sqft
Deck Area	304 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	129127
Street Address	1171 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 22
Legal Range	03
Legal Township	40
Legal Section	16
Legal Subdivision	GREENFIELD VILLAGE DIV 4
Legal Block	2
Legal Lot Number	22
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2002
Census Tract	10303

Owner

Source: Whatcom County records, as of May 20, 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	Individual Name on Record
Mailing Address	1171 ELM ST, LYNDEN, WA 98264-8538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Jan 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage WYNDHAM CAPITAL MORTGAGE INC
May 14, 2026	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE
Jul 26, 2023	Warranty Deed, Transfer · VA Mortgage ENVOY MORTGAGE LTD
Oct 3, 2019	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2026 · Amount on Record
Deed Sale	May 14, 2026 · Amount on Record
Prior Sale	Jul 26, 2023 · Amount on Record
Deed Document Number	20261166
Record Updated	Oct 29, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1171 ELM ST, LYNDEN, WA 98264-8538
Transaction Type	Mortgage
Record Updated	May 26, 2026
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATIONAL AGENCY SOL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000102732
Date	Jan 24, 2022
Instrument	2022-0102732

Lender

Name	WYNDHAM CAPITAL MORTGAGE INC
Type	Mortgage Company
Address	CHARLOTTE, NC 28211

Agreement

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

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 14, 2026
Property Address	1171 ELM ST, LYNDEN, WA 98264-8538
Document Number	0000001166
Instrument Date	May 12, 2026
Instrument	20261166
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	WASHINGTON TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$946,525.54
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1171 ELM ST, LYNDEN, WA 98264-8538

Mortgage

Document Number	0000001167,
Date	May 14, 2026
Instrument	2026051167

Lender

Name	MORTGAGE MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 26, 2023
Property Address	1171 ELM ST, LYNDEN, WA 98264-8538
Document Number	0000701788
Map Reference	AF 2001000201
Instrument Date	Jul 19, 2023
Instrument	2023-0701788
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$8,832.00
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	1171 ELM ST, LYNDEN, WA 98264-8538

Mortgage

Document Number	0000701789
Date	Jul 26, 2023
Instrument	2023-0701789

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1171 ELM ST, LYNDEN, WA 98264-8538
Document Number	2191001056
Instrument Date	Oct 3, 2019
Transaction Type	Mortgage
Record Updated	Oct 18, 2019
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1171 ELM ST LYNDEN WA 982648538, LYNDEN, WA 98264-8538

Mortgage

Document Number	2191001056
Date	Oct 8, 2019
Instrument	1001056

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 7, 2049

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	$3,772.00 (+10.55%)	$513,037 (+12.25%) Land $218,260 Building $294,777	$513,037 (+12.25%) Land $218,260 Building $294,777
2022		$457,046 Land $140,798 Building $316,248	$457,046 Land $140,798 Building $316,248
2021	$3,412.00

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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