1185 E 74th St, Lynden, WA 98264 Property Records

Whatcom County property record for 1185 E 74th St, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 3.5 ba · 4,228 sqft · built 2009
Lot Size	2.17 acres (94,525 sqft)
Owner	2 Individual Names on Record
Tax Bill	$10,554 (2025)
Deeds & Mortgages	Jun 2023 Line of Credit Mar 2021 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400333-375134-0000`

Property Details

APN / Parcel Number

Primary APN	`400333-375134-0000`
Alternative APNs	`135808` `16461`

Interior

Bedrooms	4 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	4,228 sqft Living Area
Gross Area	5,098 sqft
1st Floor Area	2,694 sqft
Basement Area	1,534 sqft
Finished Basement	1,534 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	94,525 sqft (2.17 acres)
Garage Type	Attached
Garage Area	870 sqft
Parking Spaces	10 Parking Spaces
Deck Area	560 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	135808
Street Address	1185 E 74TH ST
City	LYNDEN
State	WA
Zip	98264-9209
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Description	LOT 2 PEACEFUL POND SHORT PLAT AS REC AF 2010300229
Legal Range	03
Legal Township	40
Legal Section	33
Legal Subdivision	PEACEFUL POND SHORT PLAT
Legal Block	1
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1025
Census Tract	10701

Owner

Source: Whatcom County records, as of September 25, 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	1185 E 74TH ST, LYNDEN, WA 98264-9209
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 6, 2023	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit KEY BANK NA
Dec 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage KEYBANK USA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 24, 2002
Deed Sale	Jan 24, 2002
Deed Document Number	2002103439
Record Updated	Oct 29, 2026

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1185 E 74TH ST, LYNDEN, WA 98264-9209
Transaction Type	Mortgage
Record Updated	Jun 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000600461
Date	Jun 6, 2023
Instrument	2023-0600461

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Jun 1, 2063

Interest

Rate Type	Adjustable Rate
Rate	9.16%
Change Frequency	Monthly

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1185 E 74TH ST, LYNDEN, WA 98264-9209
Transaction Type	Mortgage
Record Updated	Mar 24, 2021
Title Company	ACCURATE TITLE GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210301998
Date	Mar 10, 2021
Instrument	2021-0301998

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1185 E 74TH ST, LYNDEN, WA 98264-9209
Document Number	2210100020
Instrument Date	Dec 8, 2020
Transaction Type	Mortgage
Record Updated	Jan 13, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1185 E 74TH ST LYNDEN WA 982649209, LYNDEN, WA 98264-9209

Mortgage

Document Number	2210100020
Date	Jan 4, 2021
Instrument	100020

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 3, 2051

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$10,554.00 (-5.24%)	$1,331,692 (-3.45%) Land $262,083 Building $1,069,609	$1,331,692 (-3.45%) Land $262,083 Building $1,069,609
2024	$11,138.00 (+28.82%)	$1,379,334 (+9%) Land $339,488 Building $1,039,846	$1,379,334 (+9%) Land $339,488 Building $1,039,846
2022		$1,265,419 Land $311,451 Building $953,968	$1,265,419 Land $311,451 Building $953,968
2021	$8,646.00

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
Flood Insurance Cost	Premium on Record median of 31 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	31 in force
Nearby Flood Claims	11 (1995–2025)
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 · 3 claims Severe Storms, High Wind, And Flooding, Nov 1995 · 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 96% of the US · lower than 97.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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	SKOOKUM CHUCK WATER ASSOCIATION private · serves 415 people · EPA ID WA5379800
Water Source	Groundwater
Last State Inspection	Feb 2022
Lead	5 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: Pogozone powered by Neubeam, Xfinity.

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