1382 Pearl Loop, Lynden, WA 98264 Property Records

Whatcom County property record for 1382 Pearl Loop, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,711 sqft · built 2010
Lot Size	0.171 acres (7,471 sqft)
Owner	Individual Name on Record
Last Sale	$591,000 (Sep 2023)
Tax Bill	$4,306 (2025)
Deeds & Mortgages	May 2022 Line of Credit Sep 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`478204`

Property Details

APN / Parcel Number

Primary APN	`478204`
Alternative APNs	`400317 347187 0000` `131298`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,711 sqft Living Area
1st Floor Area	1,711 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,471 sqft (0.171 acres)
Garage Type	Attached
Garage Area	539 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	202 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	478204
Street Address	1382 PEARL LOOP
City	LYNDEN
State	WA
Zip	98264-9196
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	2ND WOODFIELD VILLAGE DIV NO 5 LOT 11
Legal Range	03
Legal Township	40
Legal Section	17
Legal Subdivision	WOODFIELD VILLAGE
Legal Lot Number	11
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2010
Census Tract	10302

Owner

Source: Whatcom County records, as of March 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 27, 2022	Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA
Sep 19, 2023	Warranty Deed, Transfer · Conventional Mortgage ENVOY MORTGAGE LTD
Jan 6, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC
May 12, 2020	Deed of Trust, Mortgage · Conventional with PMI BANK OF THE PACIFIC
Jul 24, 2018	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC
Aug 2, 2017	Loan Modification, Mortgage · FHA Mortgage WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 19, 2023 · Amount on Record
Deed Sale	Sep 19, 2023 · Amount on Record
Prior Sale	Feb 19, 2010 · Amount on Record
Deed Document Number	2023-0901389
Record Updated	Jun 8, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	TITLE365 - OMAHA, TITLE365 OMAHA

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000502971
Date	May 27, 2022
Instrument	2022-0502971

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 19, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 19, 2023
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	0000901389
Map Reference	AF 2080501936
Instrument Date	Sep 7, 2023
Instrument	2023-0901389
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,579.80
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	1382 PEARL LOOP, LYNDEN, WA 98264-9196

Mortgage

Document Number	0000901390
Date	Sep 19, 2023
Instrument	2023-0901390

Lender

Name	ENVOY MORTGAGE LTD
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2210101665
Instrument Date	Jan 6, 2021
Transaction Type	Mortgage
Record Updated	Jan 22, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1382 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2210101665
Date	Jan 12, 2021
Instrument	101665

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2051

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2200501913
Instrument Date	May 12, 2020
Transaction Type	Mortgage
Record Updated	May 29, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1382 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2200501913
Date	May 18, 2020
Instrument	501913

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2180703031
Instrument Date	Jul 24, 2018
Transaction Type	Mortgage
Record Updated	Aug 8, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1382 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2180703031
Date	Jul 30, 2018
Instrument	703031

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	LYNDEN, WA 98264

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2017: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	1382 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2170803501
Instrument Date	Aug 2, 2017
Transaction Type	Mortgage
Record Updated	Sep 12, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1382 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2170803501
Date	Aug 30, 2017
Instrument	803501

Lender

Name	WELLS FARGO BK
Address	FORT MILL, SC 29715

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2047

Interest

Rate	4.25%

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$4,306.00 (+16.73%)	$569,115 (+15.17%) Land $245,543 Building $323,572	$569,115 (+15.17%) Land $245,543 Building $323,572
2022		$494,141 Land $135,383 Building $358,758	$494,141 Land $135,383 Building $358,758
2021	$3,689.00

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	3 in force
Nearby Flood Claims	7 (1979–2023)
Claims Outside the SFHA	1 of 7
Most Recent Claim	Oct 2023 · other causes
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 324 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: Ziply Fiber.

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