404 High Bluff Dr, Point Roberts, WA 98281 Property Records

Whatcom County property record for 404 High Bluff Dr, Point Roberts, WA 98281 · Last verified March 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,964 sqft · built 2006
Lot Size	0.569 acres (24,829 sqft)
Owner	Company Name on File
Last Sale	$988,000 (Jul 2022)
Tax Bill	$5,815 (2025)
Deeds & Mortgages	Dec 2021 Line of Credit Jul 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`593401`

Property Details

APN / Parcel Number

Primary APN	`593401`
Alternative APNs	`405301 122265 0000` `153111` `490978`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,964 sqft Living Area
1st Floor Area	1,055 sqft
2nd Floor Area	909 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	24,829 sqft (0.569 acres)
Garage Type	Attached
Garage Area	638 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	210 sqft
Deck Area	552 sqft
Storage Building	140 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	490978
Street Address	404 HIGH BLUFF DR
City	POINT ROBERTS
State	WA
Zip	98281-9553
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 CAMERON HEIGHTS SHORT PLAT AS REC BOOK 20 SHORT PLATS PG 12
Legal Range	53
Legal Township	40
Legal Section	01
Legal Subdivision	CAMERON HEIGHTS SHORT PLAT
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	1
Census Block	1004
Census Tract	11000

Owner

Source: Whatcom County records · APN 593401

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	Company Name on File
Co-owner	Verified Secondary Owner
Mailing Address	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553
Occupancy	Owner Occupied
Owner Type	Company, Secondary Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 21, 2022	Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK
May 22, 2020	Warranty Deed, Transfer · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 21, 2022 · Amount on Record
Deed Sale	Jul 21, 2022 · Amount on Record
Prior Sale	May 22, 2020 · Amount on Record
Deed Document Number	2022-0702086
Record Updated	Jun 08, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553
Transaction Type	Mortgage
Record Updated	Nov 01, 2023
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553

Mortgage

Document Number	0001201840
Date	Dec 13, 2021
Instrument	2021-1201840

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Nov 28, 2051

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 21, 2022
Property Address	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553
Document Number	0000702086
Instrument Date	Jul 08, 2022
Instrument	2022-0702086
Transaction Type	Transfer
Record Updated	Nov 01, 2023
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$16,691.40
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	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553

Mortgage

Document Number	0000702087
Date	Jul 21, 2022
Instrument	2022-0702087

Lender

Name	UMPQUA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 01, 2052

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 22, 2020
Property Address	404 HIGH BLUFF DR, POINT ROBERTS, WA 98281-9553
Document Number	2200502640
Instrument Date	May 13, 2020
Instrument	502640
Transaction Type	Transfer
Record Updated	Jul 16, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$8,272.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	404 HIGH BLUFF DR POINT ROBERTS WA 982819553, POINT ROBERTS, WA 98281-9553

Mortgage

Document Number	2200502641
Date	May 22, 2020
Instrument	502641

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 21, 2035

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	Blaine 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	$5,815.00 (+9.8%)	$759,335 (+16.09%) Land $395,363 Building $363,972	$759,335 (+16.09%) Land $395,363 Building $363,972
2022		$654,089 Land $325,000 Building $329,089	$654,089 Land $325,000 Building $329,089
2021	$5,296.00

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 530730110001, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone VE, within 500 ft
Flood Insurance Cost	Premium on Record median of 11 individual NFIP policies nearby
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	43 units insured 32 under condo master policies
Nearby Flood Claims	3 (2006–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2021, other causes, Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Low above 6% of the US · above 4% of Washington
Wildfire Likelihood	Less than 1 in 10,000 per year
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, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Abound Ventures	DSL	25 / 3
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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