228 Skipping Stone Loop, Lynden, WA 98264 Property Records

Whatcom County property record for 228 Skipping Stone Loop, Lynden, WA 98264

Property Summary

Property Type	Condominium
Details	3 bd · 3 ba · 1,428 sqft
Lot Size	0.05 acres (2,178 sqft)
Owner	2 Individual Names on Record
Last Sale	$589,000 (Jan 2025)
Tax Bill	$2,717 (2025)
Deeds & Mortgages	Jun 2024 Construction Loan Jan 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`400320-395235-0000`

Property Details

APN / Parcel Number

Primary APN	`400320-395235-0000`
Alternative APN	`191471`

Exterior

Architectural Style	Condo/Apartment
Lot Area	2,178 sqft (0.05 acres)

Location & Zoning

Account Number	191471
Street Address	228 SKIPPING STONE LOOP
City	LYNDEN
State	WA
Zip	98264-1414
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	RM4
Legal Description	UNIT 61 RIVER-WALK EAST CONDOMINIUM-TOG WI UNDIV INT IN COMMON AREAS DESC AF 2022-1100799
Legal Subdivision	RIVER-WALK EAST CONDOMINIUM
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	1
Census Block	1046
Census Tract	10302

Owner

Source: Whatcom County records, as of August 18, 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 SKIPPING STONE LOOP, LYNDEN, WA 98264-1414
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jun 28, 2024	Deed of Trust, Mortgage · Construction Mortgage BANK OF THE PACIFIC
Jan 31, 2025	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 31, 2025 · Amount on Record
Deed Sale	Jan 31, 2025 · Amount on Record
Deed Document Number	20252046
Record Updated	Sep 20, 2026

June 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	228 SKIPPING STONE LOOP, LYNDEN, WA 98264-1414
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000602188
Date	Jun 28, 2024
Instrument	2024-0602188

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	ABERDEEN, WA 98520

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 31, 2025
Property Address	228 SKIPPING STONE LOOP, LYNDEN, WA 98264-1414
Document Number	0000102046
Map Reference	AF 2022-1201114
Instrument Date	Jan 17, 2025
Instrument	2025-0102046
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,544.20
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	228 SKIPPING STONE LOOP, LYNDEN, WA 98264-1414

Mortgage

Document Number	0000102047
Date	Jan 31, 2025
Instrument	2025-0102047

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

Mortgage

Document Number	0000102048
Date	Jan 31, 2025
Instrument	2025-0102048

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2055

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	$2,717.00	$554,434 Land $76,125 Building $478,309	$554,434 Land $76,125 Building $478,309

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2021)
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 95% of the US · lower than 97.1% 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	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 214 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
Pogozone powered by Neubeam Fiber	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband, Verizon.

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