Whatcom County property record for 109 Cornerstone Dr, Sumas, WA 98295 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,805 sqft · built 2017 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $479,900 (Jun 2021) |
| Tax Bill | $4,320 (2025) |
| Deeds & Mortgages | Jun 2021 Sale & Mortgage Oct 2017 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 400402-111389-0000 |
| Primary APN | 400402-111389-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,805 sqft Living Area |
| Gross Area | 2,524 sqft |
| 1st Floor Area | 1,805 sqft |
| Interior Walls | Finished/Painted |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Garage Type | Attached |
| Garage Area | 606 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Patio Area | 420 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 180599 |
|---|---|
| Street Address | 109 CORNERSTONE DR |
| City | SUMAS |
| State | WA |
| Zip | 98295-9322 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOVEL ESTATES DIV 1 LOT 18 |
| Legal Range | 04 |
| Legal Township | 40 |
| Legal Section | 02 |
| Legal Subdivision | HOVEL ESTATES DIV 1 |
| Legal Block | 1 |
| Legal Lot Number | 18 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1074 |
| Census Tract | 10202 |
Source: Whatcom County records · APN 400402-111389-0000
Assessment roll updated December 30, 2025 · Last verified April 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 File |
|---|---|
| Mailing Address | 109 CORNERSTONE DR, SUMAS, WA 98295-9322 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Husband and Wife |
| Date | Document |
|---|---|
| Jun 23, 2021 | Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC |
| Oct 31, 2017 | Warranty Deed, Mortgage UMPQUA BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 23, 2021 · Amount on Record |
| Deed Sale | Jun 23, 2021 · Amount on Record |
| Prior Sale | Jun 23, 2021 · Amount on Record |
| Deed Document Number | 20214065 |
| Record Updated | Jun 08, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 23, 2021 |
| Property Address | 109 CORNERSTONE DR, SUMAS, WA 98295-9322 |
| Document Number | 0000604065 |
| Map Reference | AF 2016-0500505 |
| Instrument Date | Jun 19, 2021 |
| Instrument | 2021-0604065 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2023 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,683.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CORNERSTONE DR, SUMAS, WA 98295-9322 |
| Document Number | 0000604066 |
|---|---|
| Date | Jun 23, 2021 |
| Instrument | 2021-0604066 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 31, 2017 |
| Property Address | 109 CORNERSTONE DR, SUMAS, WA 98295-9322 |
| Document Number | 2171003758 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 1003758 |
| Transaction Type | Mortgage |
| Record Updated | Nov 29, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $76.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 CORNERSTONE DR SUMAS WA 982959322, SUMAS, WA 98295-9322 |
| Document Number | 2171003759 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 1003759 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 30, 2047 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Sumas City |
| Unified School District | Nooksack Valley 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 | $4,320.00 (+2.76%) | $457,718 (-3.43%) Land $135,850 Building $321,868 | $457,718 (-3.43%) Land $135,850 Building $321,868 |
| 2022 | $473,974 Land $124,096 Building $349,878 | $473,974 Land $124,096 Building $349,878 | |
| 2021 | $4,204.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730102021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 251 individual NFIP policies nearby |
| Community Rating System | Class 7 (15% premium discount) |
| Nearby Flood Policies | 251 in force |
| Nearby Flood Claims | 226 (2020–2026) |
| Claims Outside the SFHA | 10 of 226 |
| Most Recent Claim | Jun 2026, other causes |
| Claims By Storm |
|
| 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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 107 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Northwest Fiber | Fiber | 6,000 / 6,000 |
| Xfinity | Cable | 2,000 / 250 |
| Declaration Networks Group | Cable | 250 / 35 |
May also be available at this address: Declaration Networks Group. Availability varies by address; speeds are provider-advertised maximums, not measured.
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