1390 Pearl Loop, Lynden, WA 98264 Property Records

Whatcom County property record for 1390 Pearl Loop, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,412 sqft · built 2011
Lot Size	0.162 acres (7,096 sqft)
Owner	2 Owner Names on File
Last Sale	$81,280 (Dec 2010)
Tax Bill	$4,929 (2025)
Deeds & Mortgages	Sep 2021 Mortgage Jan 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`485544`

Property Details

APN / Parcel Number

Primary APN	`485544`
Alternative APNs	`400317 347195 0000` `131299`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,412 sqft Living Area
1st Floor Area	1,478 sqft
2nd Floor Area	934 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	7,096 sqft (0.162 acres)
Garage Type	Built-in
Garage Area	540 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	48 sqft
Patio Area	476 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	485544
Street Address	1390 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 12
Legal Range	03
Legal Township	40
Legal Section	17
Legal Subdivision	WOODFIELD VILLAGE
Legal Lot Number	12
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2010
Census Tract	10302

Owner

The current owner of 1390 Pearl Loop bought it in December 2010.

Source: Whatcom County records, as of March 16, 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 Owner Names on File
Mailing Address	1390 PEARL LOOP, LYNDEN, WA 98264-9196
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Sep 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Jan 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Nov 1, 2017	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2010 · Amount on File
Deed Sale	Dec 15, 2010 · Amount on File
Prior Sale	Aug 25, 2008 · Amount on File
Deed Document Number	2101202170
Record Updated	Jun 8, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1390 PEARL LOOP, LYNDEN, WA 98264-9196
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000901659
Date	Sep 13, 2021
Instrument	2021-0901659

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

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

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1390 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2200100609
Instrument Date	Jan 2, 2020
Transaction Type	Mortgage
Record Updated	Jan 23, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1390 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2200100609
Date	Jan 7, 2020
Instrument	100609

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 6, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1390 PEARL LOOP, LYNDEN, WA 98264-9196
Document Number	2171100680
Instrument Date	Nov 1, 2017
Transaction Type	Mortgage
Record Updated	Dec 7, 2017
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1390 PEARL LOOP LYNDEN WA 982649196, LYNDEN, WA 98264-9196

Mortgage

Document Number	2171100680
Date	Nov 6, 2017
Instrument	1100680

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Nov 5, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1390 Pearl Loop was $4,929.

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	$4,929.00	$651,474 Land $245,543 Building $405,931	$651,474 Land $245,543 Building $405,931
2022		$601,509 Land $135,383 Building $466,126	$601,509 Land $135,383 Building $466,126
2021	$4,491.00

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

Flood

FEMA maps place 1390 Pearl Loop in Zone X, an area of minimal flood risk, though there have been 7 flood claims nearby since 1979.

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

The area around 1390 Pearl Loop has no burnable land within ember reach, so its wildfire risk is not rated.

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.

Nearby Properties on Pearl Loop

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures