1882 Cliff Rd, Point Roberts, WA 98281 Property Records

Whatcom County property record for 1882 Cliff Rd, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 3,109 sqft · built 1968
Lot Size	0.219 acres (9,533 sqft)
Owner	Individual Name on Record
Last Sale	$505,000 (Aug 2021)
Tax Bill	$4,613 (2025)
Deeds & Mortgages	Aug 2021 Second Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`415335-108196-0000`

Property Details

APN / Parcel Number

Primary APN	`415335-108196-0000`
Alternative APNs	`160290` `583937` `521815`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	3,109 sqft Living Area
1st Floor Area	1,807 sqft
Basement Area	1,302 sqft
Finished Basement	1,302 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 2005
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	9,533 sqft (0.219 acres)

Exterior Amenities

Porch	Wood Porch
Porch Area	91 sqft
Deck Area	958 sqft
Patio Area	492 sqft
Storage Building	72 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Wood

Location & Zoning

Account Number	160290
Street Address	1882 CLIFF RD
City	POINT ROBERTS
State	WA
Zip	98281-9608
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	DELTA VIEW NO 5 LOT 61-EXC UNDIV 1/2 INT IN GAS-OIL-MIN RTS AS RES PRIOR TO PLAT UNDER AF 866745
Legal Range	53
Legal Township	41
Legal Section	35
Legal Subdivision	DELTA VIEW NO 5
Legal Block	2
Legal Lot Number	61
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	2
Census Block	2009
Census Tract	11000

Owner

Source: Whatcom County records, as of April 2, 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 Record
Mailing Address	1882 CLIFF RD, POINT ROBERTS, WA 98281-9608
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Husband and Wife

Deeds, Mortgages & Sale History

Date	Document
Aug 24, 2021	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BANNER BANK
Aug 30, 2021	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Aug 30, 2021 · Amount on Record
Deed Document Number	20214470
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1882 CLIFF RD, POINT ROBERTS, WA 98281-9608
Transaction Type	Mortgage
Record Updated	Aug 30, 2021
Title Company	WFG LENDER SERVICES, WFG LENDER SERVICES RESWARE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1882 CLIFF RD, POINT ROBERTS, WA 98281-9608

Mortgage

Document Number	20210803545
Date	Aug 24, 2021
Instrument	2021-0803545

Lender

Name	BANNER BANK
Type	Bank
Address	FERNDALE, WA 98248

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 30, 2021
Property Address	1882 CLIFF RD, POINT ROBERTS, WA 98281-9608
Document Number	20210804470
Map Reference	VOL 9 PG 54
Instrument Date	Aug 24, 2021
Instrument	2021-0804470
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$8,094.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1882 CLIFF RD, POINT ROBERTS, WA 98281-9608

Mortgage

Document Number	20210804471
Date	Aug 30, 2021
Instrument	2021-0804471

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

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

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Blaine School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,613.00	$575,017 (+13.55%) Land $164,228 Building $410,789	$575,017 (+13.55%) Land $164,228 Building $410,789
2022		$506,419 Land $135,000 Building $371,419	$506,419 Land $135,000 Building $371,419

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

Flood

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
Flood Insurance Cost	Premium on Record median of 11 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	20 units insured incl. 9 condo units
Nearby Flood Claims	19 (1982–2018)
Claims Outside the SFHA	9 of 19
Most Recent Claim	Jan 2018 · other causes

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

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	None beyond ember reach

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	POINT ROBERTS WATER DISTRICT NO 4 serves 1,440 people · EPA ID WA5395750
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Whidbey Telephone DSL · Fiber in parts of the area	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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