123 Cornerstone Dr, Sumas, WA 98295 Property Records

Whatcom County property record for 123 Cornerstone Dr, Sumas, WA 98295 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,982 sqft · built 2018
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$358,000 (Nov 2018)
Tax Bill	$4,493 (2025)
Deeds & Mortgages	Jan 2024 Second Mortgage May 2020 Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`556792`

Property Details

APN / Parcel Number

Primary APN	`556792`
Alternative APNs	`400402 089407 0000` `180596`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,982 sqft Living Area
1st Floor Area	1,982 sqft

Exterior

Year Built	Built 2018
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	650 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Patio Area	300 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	556792
Street Address	123 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 15
Legal Range	04
Legal Township	40
Legal Section	02
Legal Subdivision	HOVEL ESTATES DIV 1
Legal Lot Number	15
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1074
Census Tract	10202

Owner

Source: Whatcom County records · APN 556792

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	2 Individual Names on File
Mailing Address	PO BOX 2479, SUMAS, WA 98295-2479
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 18, 2024	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DISCOVER BANK
May 22, 2020	Deed of Trust, Mortgage · Conventional with PMI CALIBER HM LOANS
Nov 16, 2018	Warranty Deed, Subdivision Related Transfer · Conventional with PMI UMPQUA BK
Nov 16, 2018	Warranty Deed, Transfer WHATCOM LAND TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 16, 2018 · Amount on Record
Deed Sale	Nov 16, 2018 · Amount on Record
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	2018-1101609
Record Updated	Jun 08, 2026

January 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	123 CORNERSTONE DR, SUMAS, WA 98295-9322
Transaction Type	Mortgage
Record Updated	Jan 25, 2024
Title Company	ACCURATE GROUP, ACCURATE GROUP LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100982
Date	Jan 18, 2024
Instrument	2024-0100982

Lender

Name	DISCOVER BANK
Type	Bank
Address	GREENWOOD, DE 19950

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 17, 2054

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	123 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2200503272
Instrument Date	May 22, 2020
Transaction Type	Mortgage
Record Updated	Jun 05, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	123 CORNERSTONE DR SUMAS WA 982959322, SUMAS, WA 98295-9322

Mortgage

Document Number	2200503272
Date	May 28, 2020
Instrument	503272

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	May 27, 2050

November 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 16, 2018
Property Address	123 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2181101609
Instrument Date	Nov 13, 2018
Instrument	1101609
Transaction Type	Subdivision Related Transfer
Record Updated	Jan 04, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,377.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 2479 SUMAS WA 982952479, SUMAS, WA 98295-2479

Mortgage

Document Number	2181101610
Date	Nov 16, 2018
Instrument	1101610

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Nov 15, 2048

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Nov 16, 2018
Property Address	123 CORNERSTONE DR, SUMAS, WA 98295-9322
Document Number	2181101608
Instrument Date	Nov 13, 2018
Instrument	1101608
Transaction Type	Transfer
Record Updated	Jan 13, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$1,073.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8755 VEDDER VIEW LN SUMAS WA 982958409, SUMAS, WA 98295-8409

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	$4,493.00 (+1.54%)	$484,871 (-2.9%) Land $135,850 Building $349,021	$484,871 (-2.9%) Land $135,850 Building $349,021
2022		$499,333 Land $124,096 Building $375,237	$499,333 Land $124,096 Building $375,237
2021	$4,425.00

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

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