Whatcom County property record for 312 Capstone Ct, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,314 sqft · built 2022 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $95,000 (Sep 2021) |
| Tax Bill | $5,342 (2025) |
| Deeds & Mortgages | Dec 2021 Construction Loan Sep 2021 Sale |
| Flood Zone | Zone X (moderate risk) |
| APN | 400402-034461-0000 |
| Primary APN | 400402-034461-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,314 sqft Living Area |
| Gross Area | 3,261 sqft |
| 1st Floor Area | 1,946 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Siding Sheathing |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,553 sqft (0.38 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Porch Area | 179 sqft |
| Patio Area | 420 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 188932 |
|---|---|
| Street Address | 312 CAPSTONE CT |
| City | SUMAS |
| State | WA |
| Zip | 98295-9310 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | HOVEL ESTATES DIV 4 LOT 39 |
| Legal Subdivision | HOVEL ESTATES DIV 4 |
| Legal Block | 1 |
| Legal Lot Number | 39 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 10202 |
Source: Whatcom County records, as of October 13, 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 3203 HALVERSTICK RD, SUMAS, WA 98295-9739 |
| Owner Type | Individual |
| Vesting | Married Couple |
| Date | Document |
|---|---|
| Dec 10, 2021 | Deed of Trust, Mortgage · Construction Mortgage WHATCOM EDUCATIONAL CU |
| Sep 17, 2021 | Warranty Deed, Transfer GUARDIAN LAND TITLE, GUARDIAN NW TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 17, 2021 · Amount on Record |
| Deed Sale | Sep 17, 2021 · Amount on Record |
| Deed Document Number | 20212814 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 312 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0001201595 |
|---|---|
| Date | Dec 10, 2021 |
| Instrument | 2021-1201595 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 373 Months |
| Due | Jan 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 17, 2021 |
| Property Address | 312 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Document Number | 0000902814 |
| Map Reference | AF 2021-0804738 |
| Instrument Date | Sep 13, 2021 |
| Instrument | 2021-0902814 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2023 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN NW TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,525.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8460 VAHL DR, EVERSON, WA 98247-7800 |
| Name | Verified Name |
|---|---|
| Address | 3203 HALVERSTICK RD, SUMAS, WA 98295-9739 |
Source: Whatcom County assessment roll, as of December 30, 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 | $5,342.00 (-11.29%) | $568,343 (-12.54%) Land $149,435 Building $418,908 | $568,343 (-12.54%) Land $149,435 Building $418,908 |
| 2024 | $6,022.00 | $649,833 (+89.94%) Land $137,744 Building $512,089 | $649,833 (+89.94%) Land $137,744 Building $512,089 |
| 2022 | $342,130 Land $124,096 Building $218,034 | $342,130 Land $124,096 Building $218,034 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 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 |
|
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: 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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