2838 Stetson Ln, Custer, WA 98240 Property Records

Whatcom County property record for 2838 Stetson Ln, Custer, WA 98240

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 992 sqft · built 1978
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on File
Last Sale	$314,280 (Jun 2014)
Tax Bill	$4,703 (2025)
Deeds & Mortgages	Jan 2021 Mortgage Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`512326`

Property Details

APN / Parcel Number

Primary APN	`512326`
Alternative APNs	`400124 088350 0000` `118286`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	992 sqft Living Area
1st Floor Area	784 sqft
2nd Floor Area	992 sqft
Basement Area	784 sqft
Finished Basement	784 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	Bi-Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Mixed
Garage Area	506 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	16 sqft
Deck Area	240 sqft
Patio Area	80 sqft
Storage Building	720 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	512326
Street Address	2838 STETSON LN
City	CUSTER
State	WA
Zip	98240-9427
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 4 JERELYN SHORT PLAT AS REC BOOK 2 SHORT PLATS PG 186
Legal Range	01
Legal Township	40
Legal Section	24
Legal Subdivision	JERELYN SHORT PLAT
Legal Lot Number	4
Jurisdiction	WHATCOM WA
Township / Civil Division	BLAINE
Census Block Group	1
Census Block	1052
Census Tract	10408

Owner

2838 Stetson Ln is owned and occupied by an individual who bought it in June 2014.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	2838 STETSON LN, CUSTER, WA 98240-9427
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MTG
Jun 25, 2020	Deed of Trust, Mortgage · FHA Mortgage CHERRY CREEK MTG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 18, 2014 · Amount on File
Deed Sale	Jun 18, 2014 · Amount on File
Prior Sale	Dec 5, 2001
Deed Document Number	2140601676
Record Updated	Jun 8, 2026

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2838 STETSON LN, CUSTER, WA 98240-9427
Document Number	2210104322
Instrument Date	Jan 22, 2021
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2838 STETSON LN CUSTER WA 982409427, CUSTER, WA 98240-9427

Mortgage

Document Number	2210104322
Date	Jan 27, 2021
Instrument	104322

Lender

Name	UNITED WHOLESALE MTG
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 26, 2051

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2838 STETSON LN, CUSTER, WA 98240-9427
Document Number	2200604929
Instrument Date	Jun 25, 2020
Transaction Type	Mortgage
Record Updated	Jul 13, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2838 STETSON LN CUSTER WA 982409427, CUSTER, WA 98240-9427

Mortgage

Document Number	2200604929
Date	Jun 30, 2020
Instrument	604929

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 29, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 2838 Stetson Ln was $4,703.

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,703.00	$610,214 Land $298,954 Building $311,260	$610,214 Land $298,954 Building $311,260
2022		$520,528 Land $215,248 Building $305,280	$520,528 Land $215,248 Building $305,280
2021	$3,522.00

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

Flood

FEMA maps place 2838 Stetson Ln in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 2021.

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force
Nearby Flood Claims	2 (2021)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 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

Wildfire risk around 2838 Stetson Ln is low, with a 0.01% annual chance of 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.

Internet Providers

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	1,200 / 35

Cell Coverage

5G (outdoors only) and 4G LTE

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