8635 Bender Rd, Lynden, WA 98264 Property Records

Whatcom County property record for 8635 Bender Rd, Lynden, WA 98264

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,784 sqft · built 1980
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on File
Last Sale	$504,000 (Aug 2021)
Tax Bill	$4,388 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Jul 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400317-555172-0000`

Property Details

APN / Parcel Number

Primary APN	`400317-555172-0000`
Alternative APNs	`131873` `583504` `533151`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,784 sqft Living Area
Gross Area	2,317 sqft
1st Floor Area	1,784 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1980
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	533 sqft
Parking Spaces	2 Parking Spaces
Porch	Concrete/Metal Slab
Porch Area	48 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	131873
Street Address	8635 BENDER RD
City	LYNDEN
State	WA
Zip	98264-1003
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS100
Legal Description	BROOKFIELD PARK LOT 9-TOG WI UNDIV INT IN COMMON AREAS DESC AF 1310866
Legal Range	03
Legal Township	40
Legal Section	17
Legal Subdivision	BROOKFIELD PARK
Legal Block	2
Legal Lot Number	9
Jurisdiction	WHATCOM WA
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2019
Census Tract	10303

Owner

8635 Bender Rd is owned and occupied by an individual who bought it in August 2021.

Source: Whatcom County records, as of April 2, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	8635 BENDER RD, LYNDEN, WA 98264-1003
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Unmarried

Deeds, Mortgages & Sale History

Date	Document
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage BANNER BANK
Jul 27, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Jul 25, 2019	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2021 · Amount on File
Deed Sale	Aug 18, 2021 · Amount on File
Prior Sale	Aug 18, 2021 · Amount on File
Deed Document Number	20212794
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 18, 2021
Property Address	8635 BENDER RD, LYNDEN, WA 98264-1003
Document Number	0000802794
Map Reference	FILE 1310865
Instrument Date	Aug 10, 2021
Instrument	2021-0802794
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,706.20
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	8635 BENDER RD, LYNDEN, WA 98264-1003

Mortgage

Document Number	0000802795
Date	Aug 18, 2021
Instrument	2021-0802795

Lender

Name	BANNER BANK
Type	Bank

Agreement

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	8635 BENDER RD, LYNDEN, WA 98264-1003
Document Number	2200705206
Instrument Date	Jul 27, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8635 BENDER RD LYNDEN WA 982641003, LYNDEN, WA 98264-1003

Mortgage

Document Number	2200705206
Date	Jul 31, 2020
Instrument	705206

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	COPPELL, TX 75019

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Jul 30, 2050

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 25, 2019
Property Address	8635 BENDER RD, LYNDEN, WA 98264-1003
Document Number	2190702922
Instrument Date	Jul 23, 2019
Instrument	702922
Transaction Type	Transfer
Record Updated	Aug 2, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,057.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	8635 BENDER RD LYNDEN WA 982641003, LYNDEN, WA 98264-1003

Mortgage

Document Number	2190702923
Date	Jul 25, 2019
Instrument	702923

Lender

Name	UMPQUA BK
Type	Bank
Address	MOUNTLAKE TERRACE, WA 98043

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 24, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 8635 Bender Rd was $4,388.

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	$4,388.00	$603,316 Land $300,108 Building $303,208	$603,316 Land $300,108 Building $303,208
2022		$405,318 Land $153,434 Building $251,884	$405,318 Land $153,434 Building $251,884
2021	$3,026.00

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

Flood

FEMA maps place 8635 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 8635 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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