Whatcom County property record for 2495 River Rock Dr, Everson, WA 98247
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,784 sqft · built 2022 |
| Lot Size | 1.19 acres (51,836 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $1,270,000 (May 2026) |
| Tax Bill | $10,317 (2025) |
| Deeds & Mortgages | Dec 2022 Construction Loan Feb 2024 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390406-091032-0000 |
| Primary APN | 390406-091032-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 2,784 sqft Living Area |
| 1st Floor Area | 2,136 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 51,836 sqft (1.19 acres) |
| Garage Type | Attached |
| Garage Area | 2,004 sqft |
| Parking Spaces | 7 Parking Spaces |
| Porch | Porch |
| Porch Area | 840 sqft |
| Patio Area | 200 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 189302 |
|---|---|
| Street Address | 2495 RIVER ROCK DR |
| City | EVERSON |
| State | WA |
| Zip | 98247-8211 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | RIVER RIDGE ESTATES LOT 7 |
| Legal Subdivision | RIVER RIDGE ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 7 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 3 |
| Census Block | 3026 |
| Census Tract | 10702 |
Source: Whatcom County records, as of July 14, 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 | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage MOUNTAIN PACIFIC BANK |
| Feb 9, 2024 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| May 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage ALLIED AMERICAN MORTGAGE CORPORATION |
| Jan 9, 2024 | Intrafamily Transfer, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Dec 20, 2021 | Warranty Deed, Transfer · ARM US BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Prior Sale | Dec 20, 2021 · Amount on Record |
| Deed Document Number | 2026133 |
| Prior Transfer Date | Jan 4, 2024 |
| Prior Transfer Doc | 0000000473 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001200540 |
|---|---|
| Date | Dec 7, 2022 |
| Instrument | 2022-1200540 |
| Name | MOUNTAIN PACIFIC BANK |
|---|---|
| Type | Bank |
| Address | EVERETT, WA 98201 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Transaction Type | Mortgage |
| Record Updated | May 27, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000200595 |
|---|---|
| Date | Feb 9, 2024 |
| Instrument | 2024-0200595 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 1, 2054 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 1, 2026 |
| Property Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Document Number | 0000000133 |
| Instrument Date | Apr 29, 2026 |
| Instrument | 2026133 |
| Transaction Type | Transfer |
| Record Updated | Jun 3, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,188,266.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Document Number | 0000000134, |
|---|---|
| Date | May 1, 2026 |
| Instrument | 202605134 |
| Name | ALLIED AMERICAN MORTGAGE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.5% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jan 9, 2024 |
| Property Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Document Number | 0000100473 |
| Map Reference | AF 2021-1003639 |
| Instrument Date | Jan 4, 2024 |
| Instrument | 2024-0100473 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | NOT AVAILABLE, WHATCOM LAND TITLE CO INC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000100474 |
|---|---|
| Date | Jan 9, 2024 |
| Instrument | 2024-0100474 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2054 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Dec 20, 2021 |
| Property Address | 2495 RIVER ROCK DR, EVERSON, WA 98247-8211 |
| Document Number | 0001203179 |
| Map Reference | AF 2021-1003639 |
| Instrument Date | Dec 10, 2021 |
| Instrument | 2021-1203179 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,045.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1801 ROEDER AVE STE 146, 146, BELLINGHAM, WA 98225-2200 |
| Document Number | 0001203180 |
|---|---|
| Date | Dec 20, 2021 |
| Instrument | 2021-1203180 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.62% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jan 1, 2025 |
| Change Frequency | Annually |
| Min Rate At Change | 3.25% |
| Max Rate At Change | 6.62% |
| Index | 12-Month MTA |
| Max Rate | 10.6% |
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Nooksack Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $10,317.00 | $1,135,751 (+460.04%) Land $245,706 Building $890,045 | $1,135,751 (+460.04%) Land $245,706 Building $890,045 |
| 2022 | $202,800 Land $202,800 | $202,800 Land $202,800 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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 37 policies |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 37 in force |
| Nearby Flood Claims | 22 (2021–2025) |
| Most Recent Claim | Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides |
| Claims by Event |
|
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 93% of the US · lower than 95% 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.
Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
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