118 Cornerstone Dr, Sumas, WA 98295 Property Records

Whatcom County property record for 118 Cornerstone Dr, Sumas, WA 98295 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,070 sqft · built 2017
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$501,000 (May 2022)
Tax Bill	$4,954 (2025)
Deeds & Mortgages	May 2022 Sale & Mortgage Sep 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`591379`

Property Details

APN / Parcel Number

Primary APN	`591379`
Alternative APNs	`400402 093384 0000` `180586` `538579`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,070 sqft Living Area
1st Floor Area	2,070 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2017
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	9,148 sqft (0.21 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	538579
Street Address	118 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 5
Legal Range	04
Legal Township	40
Legal Section	02
Legal Subdivision	HOVEL ESTATES DIV 1
Legal Lot Number	5
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1072
Census Tract	10202

Owner

Source: Whatcom County records · APN 591379

Assessment roll updated May 31, 2025 · Last verified March 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	118 CORNERSTONE DR, SUMAS, WA 98295-9322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
Sep 23, 2020	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Oct 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage CALIBER HM LOANS
Jan 30, 2017	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	May 11, 2022 · Amount on Record
Deed Sale	May 11, 2022 · Amount on Record
Prior Sale	Jan 30, 2017 · Amount on Record
Deed Document Number	2022-0501232
Record Updated	Jun 08, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 11, 2022
Property Address	118 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	0000501232
Map Reference	AF 2016-0500505
Instrument Date	May 04, 2022
Instrument	2022-0501232
Transaction Type	Transfer
Record Updated	Nov 01, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,022.80
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	118 CORNERSTONE DR, SUMAS, WA 98295-9322

Mortgage

Document Number	0000501233
Date	May 11, 2022
Instrument	2022-0501233

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 01, 2052

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	118 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2200905459
Instrument Date	Sep 23, 2020
Transaction Type	Mortgage
Record Updated	Oct 20, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 CORNERSTONE DR SUMAS WA 982959322, SUMAS, WA 98295-9322

Mortgage

Document Number	2200905459
Date	Sep 30, 2020
Instrument	905459

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2050

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	118 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2191004369
Instrument Date	Oct 26, 2019
Transaction Type	Mortgage
Record Updated	Nov 11, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 CORNERSTONE DR SUMAS WA 982959322, SUMAS, WA 98295-9322

Mortgage

Document Number	2191004369
Date	Oct 31, 2019
Instrument	1004369

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 30, 2049

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 30, 2017
Property Address	118 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2170103275
Instrument Date	Jan 19, 2017
Instrument	103275
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,024.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	118 CORNERSTONE DR SUMAS WA 982959322, SUMAS, WA 98295-9322

Mortgage

Document Number	2170103276
Date	Jan 30, 2017
Instrument	103276

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 29, 2047

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$4,954.00 (+23.6%)	$534,608 (+18.4%) Land $135,850 Building $398,758	$534,608 (+18.4%) Land $135,850 Building $398,758
2022		$451,533 Land $124,096 Building $327,437	$451,533 Land $124,096 Building $327,437
2021	$4,008.00

Flood & Wildfire

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

Flood

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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 218 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 6 claims

Wildfire

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.

Internet Providers

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.

Mobile Coverage

5G and 4G LTE

Nearby Properties on Cornerstone Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures