400 E Front St, Lynden, WA 98264 Property Records

Whatcom County property record for 400 E Front St, Lynden, WA 98264 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,142 sqft · built 1990
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on File
Last Sale	$1,155,000 (Jan 2026)
Tax Bill	$7,717 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Jan 2026 Transfer + 5 more
Flood Zone	Zone AE (high risk)
APN	`400320-530408-0000`

Property Details

APN / Parcel Number

Primary APN	`400320-530408-0000`
Alternative APNs	`134457` `535371` `604273`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,142 sqft Living Area
Gross Area	6,334 sqft
1st Floor Area	2,055 sqft
Attic	Attic
Attic Area	403 sqft
Basement Area	1,281 sqft
Flooring	Wood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1990
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	17,424 sqft (0.4 acres)
Garage Type	Attached
Garage Area	1,363 sqft
Parking Spaces	5 Parking Spaces

Exterior Amenities

Porch	Porch
Deck Area	522 sqft
Patio Area	185 sqft
Storage Building	120 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	134457
Street Address	400 E FRONT ST
City	LYNDEN
State	WA
Zip	98264-1510
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TR IN SE NE DAF-BEG AT INTERS OF NW COR OF BLK 5 HAWLEY-LAWRENCES ADD TO LYNDEN-S LI OF FRONT ST-TH SWLY ALG S LI OF FRONT ST 30 FT-TH SELY PAR WI W LI OF SD BLK 5 210 FT-TH NELY 30 FT TO W LI OF BLK 5-TH NWLY ALG SD W LI 210 FT TO POB-ALSO WLY 46 FT
Legal Range	03
Legal Township	40
Legal Section	20
Legal Subdivision	HAWLEY-LAWRENCES ADD TO LYNDEN
Legal Block	5
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2040
Census Tract	10303

Owner

Source: Whatcom County records · APN 400320-530408-0000

Assessment roll updated December 30, 2025 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2024	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jan 16, 2026	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Jan 16, 2026	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2023	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Nov 27, 2023	Re-recorded Document · Conventional Mortgage UNITED WHOLESALE MORTGAGE
May 17, 2018	Deed of Trust, Mortgage · Line of Credit BANK OF PACIFIC
Aug 08, 2017	Trustee's Deed, Construction Loan · Construction Mortgage BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 16, 2026 · Amount on Record
Deed Sale	Jan 16, 2026 · Amount on Record
Prior Sale	Oct 18, 2023 · Amount on Record
Deed Document Number	20261108
Prior Transfer Date	Oct 02, 2023
Prior Transfer Doc	0000001531
Record Updated	Sep 20, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Transaction Type	Mortgage
Record Updated	Jan 28, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	69333 E PALM CANYON DR 32, 32, CATHEDRAL CITY, CA 92234-1450

Mortgage

Document Number	0000402156
Date	Apr 29, 2024
Instrument	2024-0402156

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

January 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jan 16, 2026
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Document Number	0000101109
Map Reference	MB 1 PG 46
Instrument Date	Jan 14, 2026
Instrument	2026-0101109
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	400 E FRONT ST, LYNDEN, WA 98264-1510

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 16, 2026
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Document Number	0000101108
Map Reference	MB 1 PG 46
Instrument Date	Jan 13, 2026
Instrument	2026-0101108
Transaction Type	Transfer
Record Updated	Jan 28, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$19,619.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	400 E FRONT ST, LYNDEN, WA 98264-1510

Mortgage

Document Number	0000101110
Date	Jan 16, 2026
Instrument	2026-0101110

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 01, 2056

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 18, 2023
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Document Number	0001001248
Map Reference	MB 1 PG 46
Instrument Date	Oct 16, 2023
Instrument	2023-1001248
Transaction Type	Transfer
Record Updated	Nov 01, 2023
Title Company	NOT AVAILABLE, WHATCO MLAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$18,640.00
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	8 SCARBOROUGH WAY, RANCHO MIRAGE, CA 92270-1624

Mortgage

Document Number	0001001249
Date	Oct 18, 2023
Instrument	2023-1001249

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2053

November 2023: Re-recorded Document

Document Type	Re-recorded Document
Jurisdiction	WHATCOM WA
Recording Date	Nov 27, 2023
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Document Number	0001101531
Instrument Date	Oct 02, 2023
Instrument	2023-1101531
Record Updated	Dec 04, 2023
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8 SCARBOROUGH WAY, RANCHO MIRAGE, CA 92270-1624

Mortgage

Document Number	0001101532
Date	Nov 27, 2023
Instrument	2023-1101532

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 01, 2053

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Document Number	2180502518
Instrument Date	May 17, 2018
Transaction Type	Mortgage
Record Updated	Nov 21, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 E FRONT ST LYNDEN WA 982641510, LYNDEN, WA 98264-1510

Mortgage

Document Number	2180502518
Date	May 22, 2018
Instrument	502518

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	LYNDEN, WA 98264

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

August 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 08, 2017
Property Address	400 E FRONT ST, LYNDEN, WA 98264-1510
Instrument Date	Aug 02, 2017
Instrument	800825
Transaction Type	Construction Loan
Record Updated	Aug 23, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	400 E FRONT ST LYNDEN WA 982641510, LYNDEN, WA 98264-1510

Mortgage

Document Number	2170800825
Date	Aug 08, 2017
Instrument	800825

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	4124 HANNEGAN RD, BELLINGHAM, WA 98226-9196

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified August 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,717.00 (+51.02%)	$1,031,967 (+6.78%) Land $327,390 Building $704,577	$1,031,967 (+5.8%) Land $327,390 Building $704,577
2024	$5,110.00 (-27.77%)	$966,404 (+4.97%) Land $291,000 Building $675,404	$975,404 (+5.94%) Land $300,000 Building $675,404
2022		$920,690 Land $171,485 Building $749,205	$920,690 Land $171,485 Building $749,205
2021	$7,075.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730103032, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1990)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 1990, river or lake flooding, Severe Storms & Flooding
Claims By Storm	Severe Storms & Flooding, Nov 1990 · 2 claims

Wildfire

Wildfire Risk	Low above 4% of the US · above 2% of Washington
Wildfire Likelihood	Less than 1 in 10,000 per year
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 90 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Northwest Fiber	Fiber	6,000 / 6,000
Xfinity	Cable	2,000 / 250
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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