8518 Bender Rd, Lynden, WA 98264 Property Records

Whatcom County property record for 8518 Bender Rd, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,136 sqft · built 2015
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$79,780 (Jul 2013)
Tax Bill	$4,333 (2025)
Deeds & Mortgages	Sep 2026 Line of Credit Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400316-011024-0000`

Property Details

APN / Parcel Number

Primary APN	`400316-011024-0000`
Alternative APNs	`128393` `97890`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,136 sqft Living Area
Gross Area	2,386 sqft
1st Floor Area	1,214 sqft

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,197 sqft (0.28 acres)
Porch	Covered Concrete/Masonry Porch
Patio Area	336 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	128393
Street Address	8518 BENDER RD
City	LYNDEN
State	WA
Zip	98264-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	BEAP 188 FT N OF SW COR OF SW 1/4-TH N 88 FT-TH E 175 FT-TH S 88 FT-TH W TO POB LESS RDS
Legal Range	03
Legal Township	40
Legal Section	16
Legal Block	2
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2022
Census Tract	10303

Owner

8518 Bender Rd is owned and occupied by two individuals who bought it in July 2013.

Source: Whatcom County records, as of October 5, 2026

Owner of Record	2 Individual Names on File
Mailing Address	8518 BENDER RD, LYNDEN, WA 98264-1002
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
Sep 28, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION
Oct 26, 2020	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU
Oct 29, 2018	Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 9, 2013 · Amount on File
Deed Sale	Jul 9, 2013 · Amount on File
Deed Document Number	2013701176
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Sep 28, 2026
Property Address	8518 BENDER RD, LYNDEN, WA 98264-1002
Document Number	0000002163
Instrument Date	Sep 22, 2026
Instrument	20269282163
Transaction Type	Mortgage
Record Updated	Oct 5, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8518 BENDER RD, LYNDEN, WA 98264-1002

Mortgage

Document Number	0000002163,
Date	Sep 28, 2026
Instrument	20269282163

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8518 BENDER RD, LYNDEN, WA 98264-1002
Document Number	2201005605
Instrument Date	Oct 26, 2020
Transaction Type	Mortgage
Record Updated	Nov 10, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8518 BENDER RD LYNDEN WA 982641002, LYNDEN, WA 98264-1002

Mortgage

Document Number	2201005605
Date	Oct 30, 2020
Instrument	1005605

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8518 BENDER RD, LYNDEN, WA 98264-1002
Document Number	2181100271
Instrument Date	Oct 29, 2018
Transaction Type	Mortgage
Record Updated	Nov 14, 2018
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8518 BENDER RD LYNDEN WA 982641002, LYNDEN, WA 98264-1002

Mortgage

Document Number	2181100271
Date	Nov 2, 2018
Instrument	1100271

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 8518 Bender Rd was $4,333.

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Municipality	Lynden City
Unified School District	Lynden School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,333.00	$588,070 Land $245,543 Building $342,527	$588,070 Land $245,543 Building $342,527
2022		$497,482 Land $144,408 Building $353,074	$497,482 Land $144,408 Building $353,074
2021	$3,719.00

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

Flood

FEMA maps place 8518 Bender Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1990.

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
Nearby Flood Policies	5 in force
Nearby Flood Claims	2 (1990)
Claims Outside the SFHA	2 of 2
Most Recent Claim	Nov 1990 · Severe Storms & Flooding
Claims by Event	Severe Storms & Flooding, Nov 1990 · 2 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

Wildfire risk around 8518 Bender Rd is low, with less than 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 99.1% of the US · lower than 99.4% 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.

Drinking Water

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

Water System	LYNDEN WATER DEPARTMENT serves 20,062 people · EPA ID WA5349150
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	2 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Dec 2023
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 374 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Xfinity Cable	2,000 / 250

May also be available: AT&T.

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