228 Reed's Ln, Everson, WA 98247 Property Records

Whatcom County property record for 228 Reed's Ln, Everson, WA 98247

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,240 sqft · built 1905
Lot Size	0.596 acres (25,984 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (May 2019)
Tax Bill	$3,974 (2025)
Deeds & Mortgages	Mar 2022 Mortgage Jun 2021 Mortgage + 1 more
Flood Zone	Zone AE (high risk)
APN	`561479`

Property Details

APN / Parcel Number

Primary APN	`561479`
Alternative APNs	`400431 345376 0000` `139972`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,240 sqft Living Area
1st Floor Area	1,240 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Architectural Style	Other
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	25,984 sqft (0.596 acres)
Garage Type	Detached
Garage Area	240 sqft
Parking Spaces	1 Parking Space
Porch	Enclosed Porch
Porch Area	96 sqft
Storage Building	344 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	561479
Street Address	228 REEDS LN
City	EVERSON
State	WA
Zip	98247-9502
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	MU
Legal Description	LOT 2 ROSSER SHORT PLAT AS REC BOOK 16 SHORT PLATS PG 17
Legal Range	04
Legal Township	40
Legal Section	31
Legal Subdivision	ROSSER SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	2
Census Block	2030
Census Tract	10202

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	2 Individual Names on Record
Mailing Address	228 REEDS LN, EVERSON, WA 98247-9502
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 30, 2022	Deed of Trust, Mortgage · FHA Mortgage PROVIDENT FUNDING ASSOCIATES LP
Jun 23, 2021	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
May 31, 2019	Warranty Deed, Transfer · FHA Mortgage PROVIDENT FNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 31, 2019 · Amount on Record
Deed Sale	May 31, 2019 · Amount on Record
Deed Document Number	2019-0503602
Record Updated	Jun 8, 2026

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	228 REEDS LN, EVERSON, WA 98247-9502
Transaction Type	Mortgage
Record Updated	Apr 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 REEDS LN, EVERSON, WA 98247-9502

Mortgage

Document Number	0000303630
Date	Mar 30, 2022
Instrument	2022-0303630

Lender

Name	PROVIDENT FUNDING ASSOCIATES LP
Type	Mortgage Company
Address	SANTA ROSA, CA 95401

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	327 Months
Due	Jun 1, 2049

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	228 REEDS LN, EVERSON, WA 98247-9502
Transaction Type	Mortgage
Record Updated	Feb 22, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000603914
Date	Jun 23, 2021
Instrument	2021-0603914

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	336 Months
Due	Jun 1, 2049

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 31, 2019
Property Address	228 REEDS LN, EVERSON, WA 98247-9502
Document Number	2190503602
Instrument Date	May 21, 2019
Instrument	503602
Transaction Type	Transfer
Record Updated	Jun 11, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$4,277.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	228 REEDS LN EVERSON WA 982479502, EVERSON, WA 98247-9502

Mortgage

Document Number	2190503603
Date	May 31, 2019
Instrument	503603

Lender

Name	PROVIDENT FNDG
Type	Funding / Finance Company
Address	SPOKANE, WA 99201

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 30, 2049

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Everson City
Unified School District	Nooksack Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,974.00 (+66.07%)	$431,827 (+56.65%) Land $244,530 Building $187,297	$431,827 (+56.65%) Land $244,530 Building $187,297
2022		$275,662 Land $124,096 Building $151,566	$275,662 Land $124,096 Building $151,566
2021	$2,393.00

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 AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 126 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	131 units insured incl. 5 condo units
Nearby Flood Claims	123 (2020–2025)
Claims Outside the SFHA	6 of 123
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 · 120 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 3 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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	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	CITY OF EVERSON serves 3,893 people · EPA ID WA5324200
Water Source	Groundwater
Last State Inspection	Jun 2023
Lead	2 ppb (2021–2023) 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. 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 11 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Ziply Fiber.

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