4692 Deming Rd, Everson, WA 98247 Property Records

Whatcom County property record for 4692 Deming Rd, Everson, WA 98247

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,180 sqft · built 1924
Lot Size	2.52 acres (109,771 sqft)
Owner	2 Individual Names on Record
Last Sale	$540,000 (Nov 2022)
Tax Bill	$4,420 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390436-265414-0000`

Property Details

APN / Parcel Number

Primary APN	`390436-265414-0000`
Alternative APNs	`108382` `13544`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,180 sqft Living Area
Gross Area	3,146 sqft
1st Floor Area	1,580 sqft
Basement Area	840 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1924
Effective Year Built	Effective 2000
Architectural Style	Multi-Level
Exterior Material	Metal
Roof Material	Composition Shingle
Lot Area	109,771 sqft (2.52 acres)
Porch	Enclosed Porch
Porch Area	126 sqft
Storage Building	1,152 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	108382
Street Address	4692 DEMING RD
City	EVERSON
State	WA
Zip	98247-9495
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2A
Legal Description	LOT B AM SPREADBOROUGH SHORT PLAT AS REC BOOK 5 SHORT PLATS PG 61-EXC PTN TO WHATCOM CO FOR RD DESC AF 1353705-1334506
Legal Range	04
Legal Township	39
Legal Section	36
Legal Subdivision	AM SPREADBOROUGH SHORT PLAT
Legal Block	2
Legal Lot Number	B
Jurisdiction	WHATCOM WA
Township / Civil Division	EAST WHATCOM
Census Block Group	2
Census Block	2102
Census Tract	10101

Owner

Source: Whatcom County records, as of May 21, 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	4692 DEMING RD, EVERSON, WA 98247-9495
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Oct 23, 2025	Deed of Trust, Mortgage · FHA Mortgage PLANET HOME LENDING LLC
Nov 18, 2022	Warranty Deed, Transfer · FHA Mortgage CANOPY MORTGAGE LLC
Sep 20, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage GINA KENOYER

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 18, 2022 · Amount on Record
Deed Sale	Nov 18, 2022 · Amount on Record
Prior Sale	Jan 3, 2003
Deed Document Number	20221420
Prior Transfer Date	May 11, 2006
Prior Transfer Doc	0000300482
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4692 DEMING RD, EVERSON, WA 98247-9495
Transaction Type	Mortgage
Record Updated	Nov 3, 2025
Title Company	UNKNOWN, AMSS WA

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4692 DEMING RD, EVERSON, WA 98247-9495

Mortgage

Document Number	0001001798
Date	Oct 23, 2025
Instrument	2025-1001798

Lender

Name	PLANET HOME LENDING LLC
Type	Mortgage Company
Address	MERIDEN, CT 06450

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 18, 2022
Property Address	4692 DEMING RD, EVERSON, WA 98247-9495
Document Number	0001101420
Map Reference	VOL 5 PG 61
Instrument Date	Nov 7, 2022
Instrument	2022-1101420
Transaction Type	Transfer
Record Updated	Nov 25, 2022
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,717.00
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	4692 DEMING RD, EVERSON, WA 98247-9495

Mortgage

Document Number	0001101421
Date	Nov 18, 2022
Instrument	2022-1101421

Lender

Name	CANOPY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4692 DEMING RD, EVERSON, WA 98247-9495
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000901636
Date	Sep 20, 2022
Instrument	2022-0901636

Lender

Name	GINA KENOYER
Type	Private Party
Address	2019 ELDRIDGE AVE, BELLINGHAM, WA 98225

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,420.00 (+34.96%)	$572,128 (+22.43%) Land $224,917 Building $347,211	$572,128 (+22.43%) Land $224,917 Building $347,211
2022		$467,309 Land $171,871 Building $295,438	$467,309 Land $171,871 Building $295,438
2021	$3,275.00

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 · 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 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 22 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

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	0.03% 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	WHISPERING CEDARS tribal government · serves 25 people · EPA ID 105300120
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	5 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Sanitary survey deficiency not corrected May 2022 Corrosion control Jan 2022
Monitoring and Reporting	13 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. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 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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