8620 Bender Rd, Lynden, WA 98264 Property Records

Whatcom County property record for 8620 Bender Rd, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,983 sqft · built 1986
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$659,000 (May 2026)
Tax Bill	$4,808 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2021 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`400316-012170-0000`

Property Details

APN / Parcel Number

Primary APN	`400316-012170-0000`
Alternative APNs	`128401` `586461` `537392`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,983 sqft Living Area
Gross Area	2,621 sqft
1st Floor Area	1,519 sqft
Basement Area	464 sqft
Finished Basement	464 sqft
Flooring	Carpet

Exterior

Year Built	Built 1986
Effective Year Built	Effective 1992
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	622 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Porch Area	16 sqft
Deck Area	666 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	128401
Street Address	8620 BENDER RD
City	LYNDEN
State	WA
Zip	98264-1004
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	THAT PTN OF NW SW DAF-BEG AT SW COR OF NW SW-TH N ALG W LI 275 FT TO TPOB-TH N TAP 412 FT S OF INTERS OF SD C/L WI C/L OF FISHTRAP CREEK-TH E 200 FT-TH S TAP DUE E OF POB-TH W TO POB-LESS RD
Legal Range	03
Legal Township	40
Legal Section	16
Legal Subdivision	FISHTRAP CREEK
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2008
Census Tract	10303

Owner

8620 Bender Rd is owned and occupied by an individual who bought it in May 2026.

Source: Whatcom County records, as of June 1, 2026

Owner of Record	Individual Name on File
Mailing Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried Man

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
Oct 7, 2021	Deed of Trust, Mortgage HOUSEAMP LOANS INC
Mar 31, 2021	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HOME LOANS INC
Jul 24, 2024	Deed of Trust, Mortgage · Line of Credit SPRING EQ LLC
May 22, 2026	Warranty Deed, Transfer · Conventional Mortgage LOAN STORE
Nov 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 22, 2026 · Amount on File
Deed Sale	May 22, 2026 · Amount on File
Prior Sale	Nov 15, 2021 · Amount on File
Deed Document Number	2026051915
Prior Transfer Date	Oct 19, 2006
Prior Transfer Doc	0001005125
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Transaction Type	Mortgage
Record Updated	Jun 4, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001000981
Date	Oct 7, 2021
Instrument	2021-1000981

Lender

Name	HOUSEAMP LOANS INC
Address	POULSBO, WA 98370

Agreement

Term	11 Months
Due	Sep 29, 2022

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Transaction Type	Mortgage
Record Updated	Jun 4, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000306037
Date	Mar 31, 2021
Instrument	2021-0306037

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

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

July 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Transaction Type	Mortgage
Record Updated	Jun 4, 2026
Title Company	WASHINGTON MORTGAGE CONNECT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8620 BENDER RD, LYNDEN, WA 98264-1004

Mortgage

Document Number	0000701884
Date	Jul 24, 2024
Instrument	2024-0701884

Lender

Name	SPRING EQ LLC
Type	Mortgage Company
Address	FLINT, MI 48501

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 22, 2026
Property Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Document Number	0000001915
Instrument Date	May 20, 2026
Instrument	20261915
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,089,810.20
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001916,
Date	May 22, 2026
Instrument	2026051916

Lender

Name	LOAN STORE

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 15, 2021
Property Address	8620 BENDER RD, LYNDEN, WA 98264-1004
Document Number	0001102256
Instrument Date	Nov 9, 2021
Instrument	2021-1102256
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,628.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8620 BENDER RD, LYNDEN, WA 98264-1004

Mortgage

Document Number	0001102257
Date	Nov 15, 2021
Instrument	2021-1102257

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Tax Assessment & Valuation

The 2025 property tax bill for 8620 Bender Rd was $4,808.

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	$4,808.00	$660,806 Land $327,390 Building $333,416	$660,806 Land $327,390 Building $333,416
2022		$494,412 Land $153,434 Building $340,978	$494,412 Land $153,434 Building $340,978
2021	$3,691.00

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

Flood

FEMA maps place 8620 Bender Rd in Zone X, an area of minimal 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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 8620 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 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	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 270 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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