4012 Bowen Rd, Sumas, WA 98295 Property Records

Whatcom County property record for 4012 Bowen Rd, Sumas, WA 98295 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,226 sqft · built 1910
Lot Size	3 acres (130,680 sqft)
Owner	2 Individual Names on File
Last Sale	$330,000 (Sep 2018)
Tax Bill	$5,075 (2025)
Deeds & Mortgages	Oct 2021 Mortgage Jul 2023 Second Mortgage + 2 more
Flood Zone	Zone AE (high risk)
APN	`555133`

Property Details

APN / Parcel Number

Primary APN	`555133`
Alternative APNs	`400403 477344 0000` `136702`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Stories	2 Stories
Building Area	1,226 sqft Living Area
1st Floor Area	1,516 sqft
2nd Floor Area	936 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1910
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	130,680 sqft (3 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Enclosed Porch
Porch Area	240 sqft
Deck Area	100 sqft
Patio Area	480 sqft
Storage Building	2,768 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	555133
Street Address	4012 BOWEN RD
City	SUMAS
State	WA
Zip	98295-9208
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG ON W SIDE OF NORTHERN PACIFIC RR R/W WH CROSSES HILL RD TH W 400 FT-TH S 360 FT-TH E 327 FT-TH NELY ALG SD RR R/W TO BEG-
Legal Range	04
Legal Township	40
Legal Section	03
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1083
Census Tract	10202

Owner

Source: Whatcom County records · APN 555133

Assessment roll updated May 31, 2025 · Last verified March 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	4012 BOWEN RD, SUMAS, WA 98295-9208
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 06, 2021	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jul 12, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Jun 09, 2020	Loan Modification, Mortgage · Conventional with PMI PENNYMAC
Sep 17, 2018	Warranty Deed, Transfer · FHA Mortgage BANK OF THE PACIFIC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 17, 2018 · Amount on Record
Deed Sale	Sep 17, 2018 · Amount on Record
Prior Sale	Sep 25, 2012 · Amount on Record
Deed Document Number	2018-0901495
Record Updated	Jun 08, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4012 BOWEN RD, SUMAS, WA 98295-9208
Transaction Type	Mortgage
Record Updated	Nov 01, 2023
Title Company	SOLIDIFI TITLE AGENCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001000779
Date	Oct 06, 2021
Instrument	2021-1000779

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 01, 2051

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4012 BOWEN RD, SUMAS, WA 98295-9208
Transaction Type	Mortgage
Record Updated	Nov 01, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 BOWEN RD, SUMAS, WA 98295-9208

Mortgage

Document Number	0000700727
Date	Jul 12, 2023
Instrument	2023-0700727

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	340 Months
Due	Nov 01, 2051

June 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	4012 BOWEN RD, SUMAS, WA 98295-9208
Document Number	2200701015
Instrument Date	Jun 09, 2020
Transaction Type	Mortgage
Record Updated	Jul 20, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4012 BOWEN RD SUMAS WA 982959208, SUMAS, WA 98295-9208

Mortgage

Document Number	2200701015
Date	Jul 08, 2020
Instrument	701015

Lender

Name	PENNYMAC
Address	MOORPARK, CA 93021

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 07, 2050

Interest

Rate	3.75%

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 17, 2018
Property Address	4012 BOWEN RD, SUMAS, WA 98295-9208
Document Number	2180901495
Instrument Date	Sep 06, 2018
Instrument	901495
Transaction Type	Transfer
Record Updated	Jul 20, 2020
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$5,879.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 222 ACME WA 982200222, ACME, WA 98220-0222

Mortgage

Document Number	2180901496
Date	Sep 17, 2018
Instrument	901496

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2048

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 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	$5,075.00 (+49.88%)	$547,504 (+36.2%) Land $310,575 Building $236,929	$547,504 (+36.2%) Land $310,575 Building $236,929
2022		$401,989 Land $192,731 Building $209,258	$401,989 Land $192,731 Building $209,258
2021	$3,386.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 530730102021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 251 individual NFIP policies nearby
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 Storm	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 218 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 6 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 14 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
T-Mobile USA	Fixed Wireless	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Declaration Networks Group, Xfinity. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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