3886 S Pass Rd, Everson, WA 98247 Property Records

Whatcom County property record for 3886 S Pass Rd, Everson, WA 98247

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 2,110 sqft · built 1992
Lot Size	4.42 acres (192,535 sqft)
Owner	2 Individual Names on File
Last Sale	$90,280 (Jan 2012)
Tax Bill	$6,227 (2025)
Deeds & Mortgages	Apr 2026 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (moderate risk)
APN	`400427-236020-0000`

Property Details

APN / Parcel Number

Primary APN	`400427-236020-0000`
Alternative APNs	`138467` `483794`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,110 sqft Living Area
Gross Area	2,686 sqft
1st Floor Area	1,312 sqft
Game Room	Game Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 2006
Exterior Material	Combination
Roof Material	Metal
Lot Area	192,535 sqft (4.42 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Porch Area	596 sqft
Patio Area	320 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	138467
Street Address	3886 S PASS RD
City	EVERSON
State	WA
Zip	98247-9384
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R5A
Legal Description	S 1/2 SE SE SW-LESS RD
Legal Range	04
Legal Township	40
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	2
Census Block	2044
Census Tract	10201

Owner

Source: Whatcom County records · APN 400427-236020-0000

Assessment roll updated December 30, 2025 · Last verified June 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 File
Mailing Address	3886 S PASS RD, EVERSON, WA 98247-9384
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Aug 03, 2020	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC
Dec 04, 2017	Deed of Trust, Mortgage · Conventional Mortgage BANK OF PACIFIC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 25, 2012 · Amount on Record
Deed Sale	Jan 25, 2012 · Amount on Record
Prior Sale	Sep 22, 2010 · Amount on Record
Deed Document Number	2012102710
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Apr 20, 2026
Property Address	3886 S PASS RD, EVERSON, WA 98247-9384
Document Number	0000001483
Instrument Date	Apr 16, 2026
Instrument	20261483
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3886 S PASS RD, EVERSON, WA 98247-9384

Mortgage

Document Number	0000001483,
Date	Apr 20, 2026
Instrument	20261483

Lender

Name	PEOPLES BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3886 S PASS RD, EVERSON, WA 98247-9384
Document Number	2200801181
Instrument Date	Aug 03, 2020
Transaction Type	Mortgage
Record Updated	Aug 21, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3886 S PASS RD EVERSON WA 982479384, EVERSON, WA 98247-9384

Mortgage

Document Number	2200801181
Date	Aug 10, 2020
Instrument	801181

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 09, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	3886 S PASS RD, EVERSON, WA 98247-9384
Document Number	2171201068
Instrument Date	Dec 04, 2017
Transaction Type	Mortgage
Record Updated	Jan 03, 2018
Title Company	CHICAGO TITLE INSURANCE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	3886 SOUH PASS RD EVERSON WA 98247, EVERSON, WA 98247

Mortgage

Document Number	2171201068
Date	Dec 11, 2017
Instrument	1201068

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 10, 2047

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified June 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,227.00 (+18.99%)	$707,999 (+15.02%) Land $239,559 Building $468,440	$707,999 (-16.35%) Land $239,559 Building $468,440
2022		$615,540 Land $89,369 Building $526,171	$846,402 Land $320,231 Building $526,171
2021	$5,233.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Declaration Networks Group Fiber	1,000 / 1,000

May also be available: Radiate Holdings, Verizon.

Based on FCC filings for 20 locations within half a mile of this property.

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