316 Mill Rd, Point Roberts, WA 98281 Property Records

Whatcom County property record for 316 Mill Rd, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 2,285 sqft · built 1993
Lot Size	0.439 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$400,000 (Mar 2022)
Tax Bill	$3,682 (2025)
Deeds & Mortgages	Mar 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`589900`

Property Details

APN / Parcel Number

Primary APN	`589900`
Alternative APNs	`405302 012387 0000` `177102` `98276`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,285 sqft Living Area
1st Floor Area	1,520 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.439 acres)
Porch	Porch
Storage Building	192 sqft

Utilities, Heating & Cooling

Heating System	Baseboard

Location & Zoning

Account Number	98276
Street Address	316 MILL RD
City	POINT ROBERTS
State	WA
Zip	98281-9307
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	N 1/2 OF TR DAF-BEAP ON ELY LI OF JOHNSON RD 365 1/13 FT S OF NW COR OF SW NW-TH S ALG RD 167 7/13 FT-TH ELY 230 FT-TH N 167
Legal Range	53
Legal Township	40
Legal Section	02
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	1
Census Block	1006
Census Tract	11000

Owner

316 Mill Rd is owned and occupied by an individual who bought it in March 2022.

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

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	316 MILL RD, POINT ROBERTS, WA 98281-9307
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	2 Names on Deed
Last Sale	Mar 24, 2022 · Amount on File
Deed Sale	Mar 24, 2022 · Amount on File
Deed Document Number	2022-0302946
Record Updated	Jun 8, 2026

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Mar 24, 2022
Property Address	316 MILL RD, POINT ROBERTS, WA 98281-9307
Document Number	0000302946
Instrument Date	Mar 17, 2022
Instrument	2022-0302946
Transaction Type	Transfer
Record Updated	Mar 30, 2022
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,405.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 MILL RD, POINT ROBERTS, WA 98281-9307

Mortgage

Document Number	0000302947
Date	Mar 24, 2022
Instrument	2022-0302947

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 316 Mill Rd was $3,682, up 44.3% from the year before.

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	$3,682.00 (+44.28%)	$480,856 (+44.28%) Land $128,219 Building $352,637	$480,856 (+44.28%) Land $128,219 Building $352,637
2024	$2,552.00	$333,287 Land $115,413 Building $217,874	$333,287 Land $115,413 Building $217,874
2022		$304,372 Land $105,400 Building $198,972	$304,372 Land $105,400 Building $198,972
2021	$2,906.00

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

Flood

FEMA maps place 316 Mill Rd in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 2006.

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	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

Wildfire risk around 316 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 96% of the US · lower than 97.6% 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 88 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