2985 Main St, Custer, WA 98240 Property Records

Whatcom County property record for 2985 Main St, Custer, WA 98240

Property Summary

Property Type	Mobile Home
Details	3 bd · 2 ba · 1,188 sqft · built 2016
Lot Size	0.16 acres (6,991 sqft)
Owner	2 Individual Names on Record
Last Sale	$257,500 (Sep 2018)
Tax Bill	$2,740 (2025)
Deeds & Mortgages	Aug 2022 Mortgage Sep 2018 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`554970`

Property Details

APN / Parcel Number

Primary APN	`554970`
Alternative APNs	`400135 454421 0000` `123596`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Plumbing Fixtures	8 Plumbing Fixtures
Building Area	1,188 sqft Living Area
1st Floor Area	1,188 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Architectural Style	Mobile Home
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	6,991 sqft (0.16 acres)
Garage Type	Detached
Garage Area	576 sqft
Deck Area	50 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	554970
Street Address	2985 MAIN ST
City	CUSTER
State	WA
Zip	98240-9528
Property Category	Residential
Property Type	Residential > Prefabricated > Mobile Home
Local Zoning Code	RR2
Legal Description	CITY OF CUSTER-THAT PTN OF LOT 4 BLK 9 DAF-BEAP 35 FT S-185 FT E OF C/L OF CO RD 221 (MAIN ST)-TH S 140 FT-TH E 50 FT-TH N 14
Legal Range	01
Legal Township	40
Legal Section	35
Legal Subdivision	CITY OF CUSTER
Legal Block	9
Legal Lot Number	4
Jurisdiction	WHATCOM WA
Township / Civil Division	BLAINE
Census Block Group	2
Census Block	2035
Census Tract	10407

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	2985 MAIN ST, CUSTER, WA 98240-9528
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 3, 2022	Deed of Trust, Mortgage · FHA Mortgage IDAHO HOUSING & FINANCE ASSN
Sep 11, 2018	Deed of Trust, Mortgage · FHA Mortgage AMERICAN PACIFIC MTG
Sep 11, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOUSING FIN AUTH
Sep 12, 2018	Warranty Deed, Transfer · FHA Mortgage AMERICAN PACIFIC MTG
Feb 13, 2018	Deed of Trust, Mortgage FREEDOM MTG
Jun 24, 2017	Deed of Trust, Mortgage · VA Mortgage FIRST SEC BK/WA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 12, 2018 · Amount on Record
Deed Sale	Sep 12, 2018 · Amount on Record
Prior Sale	May 22, 2007
Deed Document Number	2018-0900979
Record Updated	Jun 8, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 MAIN ST, CUSTER, WA 98240-9528

Mortgage

Document Number	0000800241
Date	Aug 3, 2022
Instrument	2022-0800241

Lender

Name	IDAHO HOUSING & FINANCE ASSN
Type	Government Agency
Address	BOISE, ID 83702

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	314 Months
Due	Oct 1, 2048

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Document Number	2190101159
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2985 MAIN ST CUSTER WA 982409528, CUSTER, WA 98240-9528

Mortgage

Document Number	2190101159
Date	Jan 15, 2019
Instrument	101159

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

September 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Document Number	2190101056
Instrument Date	Sep 11, 2018
Transaction Type	Mortgage
Record Updated	Jan 30, 2019
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2985 MAIN ST CUSTER WA 982409528, CUSTER, WA 98240-9528

Mortgage

Document Number	2190101056
Date	Jan 15, 2019
Instrument	101056

Lender

Name	HOUSING FIN AUTH
Address	SEATTLE, WA 98104-3601

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 12, 2018
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Document Number	2180900979
Instrument Date	Sep 4, 2018
Instrument	900979
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$4,588.50
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	PO BOX 14 CUSTER WA 982400014, CUSTER, WA 98240-0014

Mortgage

Document Number	2180900980
Date	Sep 12, 2018
Instrument	900980

Lender

Name	AMERICAN PACIFIC MTG
Type	Mortgage Company
Address	ROSEVILLE, CA 95661

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

Mortgage

Document Number	2180900981,
Date	Sep 12, 2018
Instrument	900981

Lender

Name	HOUSING FIN AUTH
Address	SEATTLE, WA 98104-3601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 11, 2048

February 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Document Number	2180202057
Instrument Date	Feb 13, 2018
Transaction Type	Mortgage
Record Updated	Mar 28, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 MAIN ST CUSTER WA 982409528, CUSTER, WA 98240-9528

Mortgage

Document Number	2180202057
Date	Feb 22, 2018
Instrument	202057

Lender

Name	FREEDOM MTG
Type	Mortgage Company
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 21, 2048

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2985 MAIN ST, CUSTER, WA 98240-9528
Document Number	2170604234
Instrument Date	Jun 24, 2017
Transaction Type	Mortgage
Record Updated	Jul 19, 2017
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2985 MAIN ST CUSTER WA 982409528, CUSTER, WA 98240-9528

Mortgage

Document Number	2170604234
Date	Jun 30, 2017
Instrument	604234

Lender

Name	FIRST SEC BK/WA
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 29, 2047

Tax Assessment & Valuation

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	$2,740.00 (+14.41%)	$355,515 (+14.39%) Land $200,790 Building $154,725	$355,515 (+14.39%) Land $200,790 Building $154,725
2024	$2,395.00 (+39.89%)	$310,796 (+12.16%) Land $225,000 Building $85,796	$310,796 (+12.16%) Land $225,000 Building $85,796
2022		$277,092 Land $104,258 Building $172,834	$277,092 Land $104,258 Building $172,834
2021	$1,712.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	Custer Water Association private · serves 365 people · EPA ID WA5317050
Water Source	Groundwater
Last State Inspection	May 2021
Lead	4 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 65 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Ziply Fiber.

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