Whatcom County property record for 320 W 3rd St, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,824 sqft · built 1986 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (Sep 1999) |
| Tax Bill | $3,878 (2025) |
| Deeds & Mortgages | Mar 2026 Construction Loan |
| Flood Zone | Zone AE (high risk) |
| APN | 410435-028182-0000 |
| Primary APN | 410435-028182-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,824 sqft Living Area |
| Gross Area | 2,506 sqft |
| 1st Floor Area | 1,824 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Type | Attached |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Concrete/Masonry Porch |
| Porch Area | 32 sqft |
| Deck Area | 210 sqft |
| Heating System | Baseboard |
|---|---|
| Heating Fuel | Electric |
| Account Number | 159119 |
|---|---|
| Street Address | 320 W 3RD ST |
| City | SUMAS |
| State | WA |
| Zip | 98295-9640 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | JOHNSONS THIRD ADD TO SUMAS SUPPL LOTS 14-15-16 BLK 10 |
| Legal Range | 04 |
| Legal Township | 41 |
| Legal Section | 35 |
| Legal Subdivision | JOHNSONS 3RD ADD TO SUMAS SUP |
| Legal Block | 10 |
| Legal Lot Number | 14-15 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1088 |
| Census Tract | 10202 |
Source: Whatcom County records, as of August 21, 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 | PO BOX 584, SUMAS, WA 98295-0584 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 23, 1999 · Amount on Record |
| Deed Sale | Sep 23, 1999 · Amount on Record |
| Deed Document Number | 19991990902783 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 320 W 3RD ST, SUMAS, WA 98295-9640 |
| Transaction Type | Mortgage |
| Record Updated | Mar 31, 2026 |
| Title Company | WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW |
| Name | Verified Name |
|---|---|
| Address | 6664 WOODLYN RD, FERNDALE, WA 98248-8802 |
| Document Number | 0000301293 |
|---|---|
| Date | Mar 17, 2026 |
| Instrument | 2026-0301293 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | LYNDEN, WA 98264 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|
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 | $3,878.00 (+1,111.88%) Senior Citizen's exemption | $424,862 (+325.22%) Land $135,850 Building $289,012 | $424,862 (+167.44%) Land $135,850 Building $289,012 |
| 2022 | $99,915 Land $18,000 Building $81,915 | $158,861 Land $93,072 Building $65,789 | |
| 2021 | $320.00 |
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 AE high risk |
|---|---|
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required federally backed loans |
| 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 97% of the US · lower than 98% 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.
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 146 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 | 250 / 35 |
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