7406 Oat Coles Rd, Everson, WA 98247 Property Records

Whatcom County property record for 7406 Oat Coles Rd, Everson, WA 98247

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,886 sqft · built 1972
Lot Size	5.76 acres (250,906 sqft)
Owner	Individual Name on Record
Last Sale	$650,000 (Jun 2026)
Tax Bill	$6,159 (2025)
Deeds & Mortgages	Jun 2026 Sale Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400433-166161-0000`

Property Details

APN / Parcel Number

Primary APN	`400433-166161-0000`
Alternative APNs	`140218` `33733`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,886 sqft Living Area
Gross Area	2,486 sqft
1st Floor Area	1,886 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1972
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Metal
Lot Area	250,906 sqft (5.76 acres)
Garage Type	Attached
Garage Area	600 sqft
Parking Spaces	2 Parking Spaces
Patio Area	588 sqft
Storage Building	864 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	140218
Street Address	7406 OAT COLES RD
City	EVERSON
State	WA
Zip	98247-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	BEG AT SW COR OF NE SW-TH N 511.25 FT-TH E 511.25 FT-TH S 511.25 FT-TH W TO BEG-LESS RD
Legal Range	04
Legal Township	40
Legal Section	33
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1008
Census Tract	10201

Owner

Source: Whatcom County records, as of October 19, 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 Record
Mailing Address	7406 OAT COLES RD, EVERSON, WA 98247-9543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 25, 2026	Bargain and Sale Deed, Transfer · Conventional Mortgage HOME LENDING
Dec 20, 2021	Intrafamily Transfer, Transfer · Reverse Mortgage REVERSE MORTGAGE FUNDING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Mar 25, 2005 · Amount on Record
Deed Document Number	20262222
Prior Transfer Date	Nov 24, 2021
Prior Transfer Doc	0001203157
Record Updated	Oct 29, 2026

June 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 25, 2026
Property Address	7406 OAT COLES RD, EVERSON, WA 98247-9543
Document Number	0000002223
Instrument Date	Jun 17, 2026
Instrument	20262223
Transaction Type	Transfer
Record Updated	Aug 30, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7406 OAT COLES RD, EVERSON, WA 98247-9543

June 2026: Bargain and Sale Deed, Transfer

Document Type	Bargain and Sale Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 25, 2026
Property Address	7406 OAT COLES RD, EVERSON, WA 98247-9543
Document Number	0000002222
Instrument Date	Jun 16, 2026
Instrument	20262222
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,073,630.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	7406 OAT COLES RD, EVERSON, WA 98247-9543

Mortgage

Document Number	0000002224,
Date	Jun 25, 2026
Instrument	2026062224

Lender

Name	HOME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

December 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Dec 20, 2021
Property Address	7406 OAT COLES RD, EVERSON, WA 98247-9543
Document Number	0001203157
Instrument Date	Nov 24, 2021
Instrument	2021-1203157
Transaction Type	Transfer
Record Updated	Jun 7, 2023
Title Company	FIDELITY NATIONAL AGENCY SOL

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	Living Trust
Address	7406 OAT COLES RD, EVERSON, WA 98247-9543

Mortgage

Document Number	0001203158
Date	Dec 20, 2021
Instrument	2021-1203158

Lender

Name	REVERSE MORTGAGE FUNDING LLC
Type	Reverse Mortgage Lender

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	1.73%
Type Change Date	Jan 1, 2022
Change Frequency	Monthly
Index	1-Year CMT

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	Nooksack Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,159.00 (+27.41%)	$651,922 (+13.97%) Land $364,685 Building $287,237	$651,922 (+13.97%) Land $364,685 Building $287,237
2022		$572,036 Land $270,090 Building $301,946	$572,036 Land $270,090 Building $301,946
2021	$4,834.00

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
Nearest Special Flood Hazard Area	Zone A, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 44 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	9 (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 · 8 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	0.01% 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	NOOKSACK VALLEY WATER ASSOCIATION private · serves 1,343 people · EPA ID WA5359850
Water Source	Purchased groundwater from SUMAS WATER DEPT
Last State Inspection	Jan 2026
Lead	Under 1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Pogozone powered by Neubeam Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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