Whatcom County property record for 7645 4th St, Custer, WA 98240
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,904 sqft · built 1912 |
| Lot Size | 1.2 acres (52,272 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $447,500 (Mar 2019) |
| Tax Bill | $5,121 (2025) |
| Deeds & Mortgages | Oct 2026 Mortgage Jul 2021 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 400135-525480-0000 |
| Primary APN | 400135-525480-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,904 sqft Living Area |
| Gross Area | 2,054 sqft |
| 1st Floor Area | 1,072 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1984 |
| Exterior Material | Plywood |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 52,272 sqft (1.2 acres) |
| Garage Type | Detached |
| Garage Area | 638 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Porch Area | 163 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 123621 |
|---|---|
| Street Address | 7645 4TH ST |
| City | CUSTER |
| State | WA |
| Zip | 98240-9540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | STC |
| Legal Description | CITY OF CUSTER LOTS 7 THRU 12 BLK 3-TOG WI VAC N 1/2 WARNICK ST |
| Legal Range | 01 |
| Legal Township | 40 |
| Legal Section | 35 |
| Legal Subdivision | CITY OF CUSTER |
| Legal Block | 3 |
| Legal Lot Number | 7-12 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BLAINE |
| Census Block Group | 2 |
| Census Block | 2044 |
| Census Tract | 10407 |
Source: Whatcom County records, as of October 14, 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 | PO BOX 436, CUSTER, WA 98240-0436 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 6, 2026 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Jul 23, 2021 | Deed of Trust, Mortgage · Conventional Mortgage NORTH AMERICAN SAVINGS BANK FSB |
| Mar 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 29, 2019 · Amount on Record |
| Deed Sale | Mar 29, 2019 · Amount on Record |
| Deed Document Number | 2019302836 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 6, 2026 |
| Property Address | 7645 4TH ST, CUSTER, WA 98240-9540 |
| Document Number | 0000000371 |
| Instrument Date | Oct 1, 2026 |
| Instrument | 2026100371 |
| Transaction Type | Mortgage |
| Record Updated | Oct 14, 2026 |
| Title Company | ROCKET TITLE GROUP LLC, ROCKET CLOSE LLC |
| Name | Verified Name |
|---|---|
| Address | 7645 4TH ST, CUSTER, WA 98240-9540 |
| Document Number | 0000000371, |
|---|---|
| Date | Oct 6, 2026 |
| Instrument | 2026100371 |
| Name | ROCKET MORTGAGE LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Oct 1, 2046 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 7645 4TH ST, CUSTER, WA 98240-9540 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2021 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 20210704138 |
|---|---|
| Date | Jul 23, 2021 |
| Instrument | 2021-0704138 |
| Name | NORTH AMERICAN SAVINGS BANK FSB |
|---|---|
| Type | Bank |
| Address | GRANDVIEW, MO 64030 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 29, 2019 |
| Property Address | 7645 4TH ST, CUSTER, WA 98240-9540 |
| Document Number | 2190302836 |
| Instrument Date | Mar 13, 2019 |
| Instrument | 302836 |
| Transaction Type | Transfer |
| Record Updated | Apr 9, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,970.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 7645 4TH ST CUSTER WA 982409540, CUSTER, WA 98240-9540 |
| Document Number | 2190302837 |
|---|---|
| Date | Mar 29, 2019 |
| Instrument | 302837 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 28, 2049 |
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,121.00 (-1.54%) | $656,235 (-2.76%) Land $275,752 Building $380,483 | $656,235 (-2.76%) Land $275,752 Building $380,483 |
| 2024 | $5,201.00 (+28.51%) | $674,849 (+12.8%) Land $309,000 Building $365,849 | $674,849 (+12.8%) Land $309,000 Building $365,849 |
| 2022 | $598,249 Land $199,594 Building $398,655 | $598,249 Land $199,594 Building $398,655 | |
| 2021 | $4,047.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 98% of Washington |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 27 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
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