Whatcom County property record for 7856 Ham Rd, Custer, WA 98240 · Last verified June 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 3,314 sqft · built 2021 |
| Lot Size | 2.32 acres (101,059 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $170,000 (Jul 2020) |
| Tax Bill | $7,919 (2025) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Mar 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 400128-417193-0000 |
| Primary APN | 400128-417193-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,314 sqft Living Area |
| Gross Area | 4,844 sqft |
| 1st Floor Area | 2,664 sqft |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 101,059 sqft (2.32 acres) |
| Garage Type | Attached |
| Garage Area | 1,320 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 118813 |
|---|---|
| Street Address | 7856 HAM RD |
| City | CUSTER |
| State | WA |
| Zip | 98240-9517 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 3 HAWTHORNE MEADOWS CLUSTER SHORT PLAT AS REC AF 2050606221 |
| Legal Range | 01 |
| Legal Township | 40 |
| Legal Section | 28 |
| Legal Subdivision | HAWTHORNE MEADOWS CLUSTER SHORT PLAT |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BLAINE |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10407 |
Source: Whatcom County records · APN 400128-417193-0000
Assessment roll updated December 30, 2025 · Last verified June 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 7856 HAM RD, CUSTER, WA 98240-9517 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Date | Document |
|---|---|
| Jul 28, 2026 | Warranty Deed, Transfer · VA Mortgage HOME LENDING |
| Mar 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK |
| Jul 02, 2020 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 02, 2020 · Amount on Record |
| Deed Sale | Jul 02, 2020 · Amount on Record |
| Prior Sale | Apr 25, 2013 · Amount on Record |
| Deed Document Number | 2020700393 |
| Last Transfer Date | Oct 24, 2024 |
| Transfer Doc | 0000002006 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 28, 2026 |
| Property Address | 7856 HAM RD, CUSTER, WA 98240-9517 |
| Document Number | 0000002332 |
| Instrument Date | Jul 24, 2026 |
| Instrument | 20262332 |
| Transaction Type | Transfer |
| Record Updated | Aug 04, 2026 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,990,508.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7856 HAM RD, CUSTER, WA 98240-9517 |
| Document Number | 0000002333, |
|---|---|
| Date | Jul 28, 2026 |
| Instrument | 2026072333 |
| Name | HOME LENDING |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 7856 HAM RD, CUSTER, WA 98240-9517 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000303051 |
|---|---|
| Date | Mar 25, 2022 |
| Instrument | 2022-0303051 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 02, 2020 |
| Property Address | 7856 HAM RD, CUSTER, WA 98240-9517 |
| Document Number | 2200700393 |
| Instrument Date | Jun 26, 2020 |
| Instrument | 700393 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $2,725.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | PO BOX 1828 FERNDALE WA 982481828, FERNDALE, WA 98248-1828 |
| Document Number | 2200700395 |
|---|---|
| Date | Jul 02, 2020 |
| Instrument | 700395 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | Jul 01, 2023 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified June 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Ferndale School District (PK - 12) |
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 | $7,919.00 (+967.25%) | $1,059,006 (+15.92%) Land $213,082 Building $845,924 | $1,059,006 (+15.92%) Land $213,082 Building $845,924 |
| 2022 | $913,566 Land $183,818 Building $729,748 | $913,566 Land $183,818 Building $729,748 | |
| 2021 | $742.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 9 locations within about half a mile of this property, a small sample
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Declaration Networks Group | Fixed Wireless (unlicensed) | 75 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
Availability varies by address; speeds are provider-advertised maximums, not measured.
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