Whatcom County property record for 146 Front St, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,624 sqft · built 1940 |
| Lot Size | 0.33 acres (14,375 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $170,000 (Jul 2017) |
| Tax Bill | $3,000 (2025) |
| Deeds & Mortgages | Mar 2026 Mortgage Nov 2020 Mortgage + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 410434-556010-0000 |
| Primary APN | 410434-556010-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,624 sqft Living Area |
| Gross Area | 1,679 sqft |
| 1st Floor Area | 1,120 sqft |
| Flooring | Carpet |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Multi-Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 14,375 sqft (0.33 acres) |
| Garage Type | Detached |
| Garage Area | 448 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Enclosed Porch |
| Porch Area | 55 sqft |
| Patio Area | 1,080 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 158996 |
|---|---|
| Street Address | 146 FRONT ST |
| City | SUMAS |
| State | WA |
| Zip | 98295-9601 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | BL |
| Legal Description | TOWN OF SUMAS LOTS 16 THRU 19 BLK 21 |
| Legal Range | 04 |
| Legal Township | 41 |
| Legal Section | 34 |
| Legal Subdivision | TOWN OF SUMAS |
| Legal Block | 21 |
| Legal Lot Number | 16-19 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1084 |
| Census Tract | 10202 |
Source: Whatcom County records · APN 410434-556010-0000
Assessment roll updated December 30, 2025 · Last verified June 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 | 146 FRONT ST, SUMAS, WA 98295-9601 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 24, 2026 | Deed of Trust, Mortgage · Closed-End Mortgage UNITED STATES SMALL BUSINESS ADMIN |
| Nov 04, 2020 | Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD MTG |
| Jul 25, 2017 | Warranty Deed, Transfer PEOPLES BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 25, 2017 · Amount on Record |
| Deed Sale | Jul 25, 2017 · Amount on Record |
| Deed Document Number | 2017702823 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 146 FRONT ST, SUMAS, WA 98295-9601 |
| Transaction Type | Mortgage |
| Record Updated | Apr 02, 2026 |
| Name | Verified Name |
|---|---|
| Address | 146 FRONT ST, SUMAS, WA 98295-9601 |
| Document Number | 0000301909 |
|---|---|
| Date | Mar 24, 2026 |
| Instrument | 2026-0301909 |
| Name | UNITED STATES SMALL BUSINESS ADMIN |
|---|---|
| Type | Government Agency |
| Address | EL PASO, TX 79925 |
| Type | Closed-End Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 17, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 146 FRONT ST, SUMAS, WA 98295-9601 |
| Document Number | 2201101463 |
| Instrument Date | Nov 04, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 17, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 146 FRONT ST SUMAS WA 982959601, SUMAS, WA 98295-9601 |
| Document Number | 2201101463 |
|---|---|
| Date | Nov 09, 2020 |
| Instrument | 1101463 |
| Name | NEIGHBORHOOD MTG |
|---|---|
| Type | Mortgage Company |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 08, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 25, 2017 |
| Property Address | 146 FRONT ST, SUMAS, WA 98295-9601 |
| Document Number | 2170702823 |
| Instrument Date | Jun 21, 2017 |
| Instrument | 702823 |
| Transaction Type | Transfer |
| Record Updated | Feb 15, 2019 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,031.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 203 WALNUT GROVE CT #A EVERSON WA 982478255, A, EVERSON, WA 98247-8255 |
| Document Number | 2170702824 |
|---|---|
| Date | Jul 25, 2017 |
| Instrument | 702824 |
| Name | PEOPLES BK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 24, 2047 |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified June 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 | $3,000.00 (+48.15%) | $320,107 (+14.62%) Land $114,400 Building $205,707 | $320,107 (+14.62%) Land $114,400 Building $205,707 |
| 2022 | $279,272 Land $93,072 Building $186,200 | $279,272 Land $93,072 Building $186,200 | |
| 2021 | $2,025.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| Flood Insurance Cost | Premium on Record median of 251 policies |
| 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 Event |
|
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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 as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Xfinity Cable | 2,000 / 250 |
| Declaration Networks Group Cable | 250 / 35 |
Based on FCC filings for 98 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | SUMAS WATER DEPT serves 2,157 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jul 2025 |
| Lead | Under 1 ppb (2022–2024) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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