196 Mill Rd, Point Roberts, WA 98281 Property Records

Whatcom County property record for 196 Mill Rd, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,428 sqft · built 1966
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on File
Last Sale	$294,780 (Aug 2007)
Tax Bill	$3,031 (2025)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`19477`

Property Details

APN / Parcel Number

Primary APN	`19477`
Alternative APNs	`370212 480344 0000` `415335 016007 0000` `191734` `534703`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,428 sqft Living Area
1st Floor Area	1,280 sqft
2nd Floor Area	800 sqft
Interior Walls	Unfinished
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1966
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,553 sqft (0.38 acres)
Garage Type	Detached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	252 sqft
Deck Area	195 sqft
Patio Area	224 sqft
Storage Building	128 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	19477
Street Address	196 MILL RD
City	POINT ROBERTS
State	WA
Zip	98281-9610
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS10.0
Legal Description	BURNS ADD TO DELTA VIEW LOT 1 OR TR DAF-BEAP 30 FT N-30 FT E OF SW SEC COR-TH E 130 FT-TH N 70 FT-TH W 130 FT-TH S 70 FT TO P
Legal Range	02
Legal Township	37
Legal Section	12
Legal Subdivision	BURNS ADD TO DELTA VIEW
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	2
Census Block	2026
Census Tract	11000

Owner

196 Mill Rd is owned and occupied by an individual who bought it in August 2007.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 1637, POINT ROBERTS, WA 98281-1637
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 15, 2007 · Amount on File
Deed Sale	Aug 15, 2007 · Amount on File
Deed Document Number	2070802497
Record Updated	Jun 8, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2210 22ND ST, BELLINGHAM, WA 98225-8111
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000100799
Date	Jan 7, 2022
Instrument	2022-0100799

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 196 Mill Rd was $3,031 with a senior citizen's exemption.

Source: Whatcom County assessment roll, as of May 31, 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	$3,031.00 Senior Citizen's exemption	$395,819 Land $120,000 Building $275,819	$438,871 Land $133,815 Building $305,056
2022		$651,294 Land $275,502 Building $375,792	$651,294 Land $275,502 Building $375,792
2021	$4,677.00

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

Flood

FEMA maps place 196 Mill Rd in Zone X, an area of minimal flood risk, though there have been 19 flood claims nearby since 1982.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

Wildfire risk around 196 Mill Rd is low, with less than a 0.01% annual chance of 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