Whatcom County property record for 304 Capstone Ct, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,283 sqft · built 2022 |
| Lot Size | 0.269 acres (11,761 sqft) |
| Owner | Individual Name on File |
| Last Sale | $629,350 (Oct 2023) |
| Tax Bill | $5,361 (2025) |
| Deeds & Mortgages | Oct 2023 Sale & Mortgage Oct 2023 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 429990 |
| Primary APN | 429990 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 2 Stories |
| Building Area | 2,283 sqft Living Area |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 11,761 sqft (0.269 acres) |
| Garage Type | Built-in |
| Garage Area | 558 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 49 sqft |
| Patio Area | 288 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 604244 |
|---|---|
| Street Address | 304 CAPSTONE CT |
| City | SUMAS |
| State | WA |
| Zip | 98295-9310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | HOVEL ESTATES DIV 4 LOT 37 |
| Legal Subdivision | HOVEL ESTATES DIV 4 |
| Legal Lot Number | 37 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 10202 |
304 Capstone Ct is owned and occupied by an individual who bought it in October 2023.
Source: Whatcom County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Co-owner | Co-owner on File |
| Mailing Address | 304 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 17, 2023 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PEOPLES BANK |
| Oct 17, 2023 | Warranty Deed, Transfer GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 17, 2023 · Amount on File |
| Deed Sale | Oct 17, 2023 · Amount on File |
| Prior Sale | Oct 17, 2023 · Amount on File |
| Deed Document Number | 2023-1001162 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 17, 2023 |
| Property Address | 304 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Document Number | 0001001162 |
| Map Reference | FILE 20210804238 |
| Instrument Date | Sep 12, 2023 |
| Instrument | 2023-1001162 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Oct 26, 2023 |
| Title Company | GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $10,262.43 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8755 VEDDER VIEW LN, SUMAS, WA 98295-8409 |
| Name | Verified Name |
|---|---|
| Address | 304 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Document Number | 0001001163 |
|---|---|
| Date | Oct 17, 2023 |
| Instrument | 2023-1001163 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 17, 2023 |
| Property Address | 304 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Document Number | 0001001161 |
| Map Reference | FILE 20210804738 |
| Instrument Date | Sep 12, 2023 |
| Instrument | 2023-1001161 |
| Transaction Type | Transfer |
| Record Updated | Oct 26, 2023 |
| Title Company | GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $1,682.70 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8460 VAHL DR, EVERSON, WA 98247-7800 |
| Name | Verified Name |
|---|---|
| Address | 8755 VEDDER VIEW LN, SUMAS, WA 98295-8409 |
The 2025 property tax bill for 304 Capstone Ct was $5,361.
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Sumas City |
| Unified School District | Nooksack Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,361.00 | $578,480 Land $135,850 Building $442,630 | $578,480 Land $135,850 Building $442,630 |
| 2022 | $104,856 Land $104,856 | $104,856 Land $104,856 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 304 Capstone Ct in Zone X, an area of moderate flood risk, within 100 ft of a high-risk flood zone.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File 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 |
|
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 risk around 304 Capstone Ct is low, with 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 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | SUMAS WATER DEPT serves 2,157 people · EPA ID WA5384870 |
|---|---|
| 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, 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.
Source: FCC Broadband Data Collection, based on 107 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Ziply Fiber Fiber | 6,000 / 6,000 |
| Xfinity Cable | 2,000 / 250 |
| Pogozone powered by Neubeam Cable · Fiber in parts of the area | 250 / 35 |
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