2182 Seabright Loop, Point Roberts, WA 98281 Property Records

Whatcom County property record for 2182 Seabright Loop, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	3 bd · 4 ba · 2,040 sqft · built 2019
Lot Size	0.287 acres (12,545 sqft)
Owner	Individual Name on Record
Tax Bill	$6,864 (2025)
Deeds & Mortgages	Aug 2020 Mortgage Jul 2019 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`544061`

Property Details

APN / Parcel Number

Primary APN	`544061`
Alternative APNs	`405312 019487 0000` `181239`

Interior

Bedrooms	3 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,040 sqft Living Area
1st Floor Area	1,040 sqft
2nd Floor Area	1,000 sqft
Flooring	Tile

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	12,545 sqft (0.287 acres)
Garage Type	Detached
Garage Area	192 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	800 sqft
Patio Area	240 sqft
Balcony	Balcony
Balcony Area	240 sqft
Storage Building	392 sqft

Location & Zoning

Account Number	544061
Street Address	2182 SEABRIGHT LOOP
City	POINT ROBERTS
State	WA
Zip	98281-4500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	TZ
Legal Description	THE COTTAGES AT SEABRIGHT FARM ALTERATION LOT 57
Legal Range	53
Legal Township	40
Legal Section	12
Legal Subdivision	THE COTTAGES AT SEABRIGHT FARM ALTERATIO
Legal Lot Number	57
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	1
Census Block	1016
Census Tract	11000

Owner

Source: Whatcom County records, as of March 16, 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	11-4360 MONCTON ST
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 27, 2020	Deed of Trust, Mortgage RBC BK (GEORGIA) NA
Jul 29, 2019	Loan Modification, Mortgage BANNER BK
May 30, 2018	Trustee's Deed, Construction Loan · Construction Mortgage BANNER BK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2182 SEABRIGHT LOOP, POINT ROBERTS, WA 98281-4500
Document Number	2200805111
Instrument Date	Aug 27, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 SEABRIGHT LOOP POINT ROBERTS WA 982814500, POINT ROBERTS, WA 98281-4500

Mortgage

Document Number	2200805111
Date	Aug 31, 2020
Instrument	805111

Lender

Name	RBC BK (GEORGIA) NA
Type	Bank
Address	RALEIGH, NC 27617

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 30, 2050

Interest

Rate Type	Adjustable Rate
Rate	2.62%

July 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	2182 SEABRIGHT LOOP, POINT ROBERTS, WA 98281-4500
Document Number	2190903892
Instrument Date	Jul 29, 2019
Transaction Type	Mortgage
Record Updated	Oct 9, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 SEABRIGHT LOOP POINT ROBERTS WA 982814500, POINT ROBERTS, WA 98281-4500

Mortgage

Document Number	2190903892
Date	Sep 30, 2019
Instrument	903892

Lender

Name	BANNER BK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 29, 2049

May 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	May 30, 2018
Property Address	2182 SEABRIGHT LOOP, POINT ROBERTS, WA 98281-4500
Instrument Date	May 26, 2018
Instrument	503335
Transaction Type	Construction Loan
Record Updated	Jun 20, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2182 SEABRIGHT LOOP POINT ROBERTS WA 982814500, POINT ROBERTS, WA 98281-4500

Mortgage

Document Number	2180503335
Date	May 30, 2018
Instrument	503335

Lender

Name	BANNER BK
Type	Bank
Address	WALLA WALLA, WA 99362

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2048

Interest

Rate Type	Adjustable Rate
Rate	4.75%

Tax Assessment & Valuation

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	$6,864.00 (+3.91%)	$896,306 (+14.04%) Land $298,043 Building $598,263	$896,306 (+14.04%) Land $298,043 Building $598,263
2022		$785,925 Land $245,000 Building $540,925	$785,925 Land $245,000 Building $540,925
2021	$6,606.00

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
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	43 units insured incl. 32 condo units
Nearby Flood Claims	3 (2006–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Whidbey Telephone DSL	25 / 3

Cell Coverage

5G and 4G LTE (outdoors only)

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