Whatcom County property record for 316 Capstone Ct, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 3,126 sqft · built 2022 |
| Lot Size | 0.49 acres (21,344 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $100,000 (Oct 2021) |
| Tax Bill | $6,484 (2025) |
| Deeds & Mortgages | Apr 2022 Construction Loan Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 400402-026468-0000 |
| Primary APN | 400402-026468-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 3,126 sqft Living Area |
| Gross Area | 4,489 sqft |
| 1st Floor Area | 2,172 sqft |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Roof Material | Composition Shingle |
| Lot Area | 21,344 sqft (0.49 acres) |
| Garage Type | Attached |
| Garage Area | 1,036 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 327 sqft |
| Patio Area | 380 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 188933 |
|---|---|
| Street Address | 316 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 40 |
| Legal Subdivision | HOVEL ESTATES DIV 4 |
| Legal Block | 1 |
| Legal Lot Number | 40 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 10202 |
316 Capstone Ct is owned by two individuals who bought it in October 2021.
Source: Whatcom County records, as of July 14, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 231 VANCOUVER ST, SUMAS, WA 98295-9113 |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 7, 2022 | Deed of Trust, Mortgage · Construction Mortgage PEOPLES BANK |
| Oct 14, 2021 | Warranty Deed, Transfer · Conventional Mortgage PEOPLES BANK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 14, 2021 · Amount on File |
| Deed Sale | Oct 14, 2021 · Amount on File |
| Deed Document Number | 20212163 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 316 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000400702 |
|---|---|
| Date | Apr 7, 2022 |
| Instrument | 2022-0400702 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 373 Months |
| Due | May 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 14, 2021 |
| Property Address | 316 CAPSTONE CT, SUMAS, WA 98295-9310 |
| Document Number | 0001002163 |
| Map Reference | AF 2021-0804738 |
| Instrument Date | Oct 4, 2021 |
| Instrument | 2021-1002163 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2023 |
| Title Company | GUARDIAN LAND TITLE, GUARDIAN NW TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,605.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 8460 VAHL DR, EVERSON, WA 98247-7800 |
| Name | Verified Name |
|---|---|
| Address | 231 VANCOUVER ST, SUMAS, WA 98295-9113 |
| Document Number | 0001002164 |
|---|---|
| Date | Oct 14, 2021 |
| Instrument | 2021-1002164 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 37 Months |
| Due | Nov 1, 2024 |
The 2025 property tax bill for 316 Capstone Ct was $6,484.
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 | $6,484.00 | $694,926 Land $163,020 Building $531,906 | $694,926 Land $163,020 Building $531,906 |
| 2022 | $383,875 Land $124,096 Building $259,779 | $383,875 Land $124,096 Building $259,779 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 316 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 316 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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