3292 S Pass Rd, Everson, WA 98247 Property Records

Whatcom County property record for 3292 S Pass Rd, Everson, WA 98247

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,948 sqft · built 2003
Lot Size	0.79 acres (34,412 sqft)
Owner	2 Individual Names on Record
Last Sale	$610,000 (Apr 2026)
Tax Bill	$4,850 (2025)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`400429-509020-0000`

Property Details

APN / Parcel Number

Primary APN	`400429-509020-0000`
Alternative APNs	`139357` `118979`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,948 sqft Living Area
Gross Area	2,524 sqft
1st Floor Area	1,112 sqft
Flooring	Carpet

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Multi-Level
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	34,412 sqft (0.79 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Porch Area	292 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	139357
Street Address	3292 S PASS RD
City	EVERSON
State	WA
Zip	98247-9538
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	BEAP ON S SEC LI 48 FT W OF SE SEC COR-TH W ALG S SEC LI 100 FT-TH N PAR WI E SEC LI 344 FT-TH E PAR WI S SEC LI 100 FT-TH S PAR WI E SEC LI 344 FT TO POB-LESS RD-EXC PTN TO WHATCOM CO FOR RD DESC AF 910814015
Legal Range	04
Legal Township	40
Legal Section	29
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	2
Census Block	2059
Census Tract	10201

Owner

Source: Whatcom County records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	3292 S PASS RD, EVERSON, WA 98247-9538
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE
Dec 24, 2020	Deed of Trust, Mortgage · FHA Mortgage RELIANCE FIRST CAP
Jan 10, 2020	Deed of Trust, Mortgage · Conventional Mortgage RELIANCE FIRST CAP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 16, 2026 · Amount on Record
Deed Sale	Apr 16, 2026 · Amount on Record
Prior Sale	May 22, 2009 · Amount on Record
Deed Document Number	2026041305
Prior Transfer Date	Aug 3, 2007
Prior Transfer Doc	0000801281
Record Updated	Jun 8, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 16, 2026
Property Address	3292 S PASS RD, EVERSON, WA 98247-9538
Document Number	0000001305
Instrument Date	Apr 13, 2026
Instrument	2026.1305
Transaction Type	Transfer
Record Updated	Apr 27, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,001,718.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 S PASS RD, EVERSON, WA 98247-9538

Mortgage

Document Number	0000001306,
Date	Apr 16, 2026
Instrument	2026.04.1306

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	4.88%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3292 S PASS RD, EVERSON, WA 98247-9538
Document Number	2210100584
Instrument Date	Dec 24, 2020
Transaction Type	Mortgage
Record Updated	Jan 15, 2021
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3292 S PASS RD EVERSON WA 982479538, EVERSON, WA 98247-9538

Mortgage

Document Number	2210100584
Date	Jan 6, 2021
Instrument	100584

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 5, 2051

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3292 S PASS RD, EVERSON, WA 98247-9538
Document Number	2200102444
Instrument Date	Jan 10, 2020
Transaction Type	Mortgage
Record Updated	Feb 3, 2020
Title Company	TIMIOS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3292 S PASS RD EVERSON WA 982479538, EVERSON, WA 98247-9538

Mortgage

Document Number	2200102444
Date	Jan 22, 2020
Instrument	102444

Lender

Name	RELIANCE FIRST CAP
Type	Funding / Finance Company
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 21, 2050

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Nooksack Valley School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,850.00 (+27.36%)	$548,776 (+21.48%) Land $217,800 Building $330,976	$548,776 (+21.48%) Land $217,800 Building $330,976
2022		$451,731 Land $147,364 Building $304,367	$451,731 Land $147,364 Building $304,367
2021	$3,808.00

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 92 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	92 in force
Nearby Flood Claims	60 (2015–2025)
Claims Outside the SFHA	24 of 60
Most Recent Claim	Dec 2025 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 58 claims

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

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	Indirect within ember reach
Adjoins Burnable Land	Yes

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	NOOKSACK VALLEY WATER ASSOCIATION private · serves 1,343 people · EPA ID WA5359850
Water Source	Purchased groundwater from SUMAS WATER DEPT
Last State Inspection	Jan 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 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 Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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