522 E Alder Dr, Sedro Woolley, WA 98284 Property Records

Whatcom County property record for 522 E Alder Dr, Sedro Woolley, WA 98284

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 2 ba · 1,788 sqft · built 1978
Lot Size	0.74 acres (32,234 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,714 (2025)
Deeds & Mortgages	Jul 2026 Reverse Mortgage Jul 2026 Reverse Mortgage + 3 more
Flood Zone	Zone X (moderate risk)
APN	`370429-109107-0000`

Property Details

APN / Parcel Number

Primary APN	`370429-109107-0000`
Alternative APNs	`34708` `75814`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,788 sqft Living Area
Gross Area	1,852 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Rustic
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	32,234 sqft (0.74 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Enclosed Porch
Porch Area	64 sqft
Deck Area	364 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	34708
Street Address	522 E ALDER DR
City	SEDRO WOOLLEY
State	WA
Zip	98284-9503
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Local Zoning Code	R2A
Legal Description	GLENHAVEN LAKES DIV NO 5 LOTS 12-13-14 BLK 6
Legal Range	04
Legal Township	37
Legal Section	29
Legal Subdivision	GLENHAVEN LAKES DIV NO 5
Legal Block	6
Legal Lot Number	12-13
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1011
Census Tract	807

Owner

522 E Alder Dr, a residential property, is owned and occupied by two individuals who acquired it in November 2003.

Source: Whatcom County records, as of July 14, 2026

Owner of Record	2 Individual Names on File
Mailing Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
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
Jul 7, 2026	Deed of Trust · Reverse Mortgage SIMPLE TITLE, SIMPLIFILE
Jul 7, 2026	Deed of Trust, Mortgage · Reverse Mortgage FINANCE OF AMERICA REVERSE LLC
Jul 27, 2021	Deed of Trust, Mortgage · Line of Credit ALASKA USA FCU
Feb 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage ALASKA USA MORTGAGE CO LLC
Aug 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage OPPORTUNITY COUNCIL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 12, 2003
Deed Sale	Nov 12, 2003
Deed Document Number	20031102483
Prior Transfer Date	Apr 20, 2001
Prior Transfer Doc	0000402974
Record Updated	Oct 29, 2026

July 2026: Deed of Trust

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jul 7, 2026
Property Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
Document Number	0000000458
Instrument Date	Jun 25, 2026
Instrument	2026458
Record Updated	Aug 31, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503

Mortgage

Document Number	0000000458,
Date	Jul 7, 2026
Instrument	2026458

Lender

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	872 Months
Due	Mar 22, 2099

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jul 7, 2026
Property Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
Document Number	0000000457
Instrument Date	Jun 25, 2026
Instrument	2026457
Transaction Type	Mortgage
Record Updated	Jul 14, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503

Mortgage

Document Number	0000000457,
Date	Jul 7, 2026
Instrument	2026457

Lender

Name	FINANCE OF AMERICA REVERSE LLC

Agreement

Type	Reverse Mortgage
Amount	Amount on Record
Term	872 Months
Due	Mar 22, 2099

Interest

Rate Type	Adjustable Rate
Rate	5.13%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
Transaction Type	Mortgage
Record Updated	Aug 5, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210704760
Date	Jul 27, 2021
Instrument	2021-0704760

Lender

Name	ALASKA USA FCU
Type	Credit Union
Address	ANCHORAGE, AK 99503

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	241 Months
Due	Aug 1, 2041

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
Transaction Type	Mortgage
Record Updated	Mar 3, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210204592
Date	Feb 25, 2021
Instrument	2021-0204592

Lender

Name	ALASKA USA MORTGAGE CO LLC
Type	Mortgage Company
Address	ANCHORAGE, AK 99503

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	522 E ALDER DR, SEDRO WOOLLEY, WA 98284-9503
Document Number	2201102763
Instrument Date	Aug 9, 2020
Transaction Type	Mortgage
Record Updated	Nov 25, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	522 E ALDER DR SEDRO WOOLLEY WA 982849503, SEDRO WOOLLEY, WA 98284-9503

Mortgage

Document Number	2201102763
Date	Nov 16, 2020
Instrument	1102763

Lender

Name	OPPORTUNITY COUNCIL
Address	1111 CORNWALL AVE # C, BELLINGHAM, WA 98225-5039

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2025 property tax bill for 522 E Alder Dr was $1,714 with a senior citizen's exemption.

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	$1,714.00 Senior Citizen's exemption	$518,858 Land $180,000 Building $338,858	$518,858 Land $180,000 Building $338,858
2022		$475,334 Land $160,466 Building $314,868	$475,334 Land $160,466 Building $314,868
2021	$3,006.00

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

Flood

FEMA maps place 522 E Alder Dr in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 10 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	10 in force

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 522 E Alder Dr 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	GLENHAVEN LAKES CLUB private · serves 1,780 people · EPA ID WA5328050
Water Source	Groundwater
Last State Inspection	May 2025
Lead	3 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 116 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Astound Broadband Cable	1,500 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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