409 Harrison St, Sumas, WA 98295 Property Records

Whatcom County property record for 409 Harrison St, Sumas, WA 98295

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,692 sqft · built 1907
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$201,000 (Aug 2017)
Tax Bill	$3,825 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Jul 2020 Loan Modification + 1 more
Flood Zone	Zone AE (high risk)
APN	`544172`

Property Details

APN / Parcel Number

Primary APN	`544172`
Alternative APNs	`410435 059346 0000` `159173`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,692 sqft Living Area
1st Floor Area	1,692 sqft
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1907
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,534 sqft (0.15 acres)
Garage Type	Detached
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces
Deck Area	387 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Heating System	Wood Furnace

Location & Zoning

Account Number	544172
Street Address	409 HARRISON ST
City	SUMAS
State	WA
Zip	98295-9613
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RH
Legal Description	BARKERVILLE SUPP'L LOTS 1-2 BLK 10
Legal Range	04
Legal Township	41
Legal Section	35
Legal Subdivision	BARKERVILLE SUPP'L
Legal Block	10
Legal Lot Number	1 2
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1013
Census Tract	10202

Owner

Source: Whatcom County records, as of March 16, 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	409 HARRISON ST, SUMAS, WA 98295-9613
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Deed of Trust, Mortgage · FHA Mortgage CALIBER HOME LOANS INC
Jul 1, 2020	Loan Modification, Mortgage · Conventional Mortgage CALIBER HM LOANS
Aug 11, 2017	Grant Deed, Transfer CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2017 · Amount on Record
Deed Sale	Aug 11, 2017 · Amount on Record
Prior Sale	Sep 23, 2015 · Amount on Record
Deed Document Number	2017-0801394
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	409 HARRISON ST, SUMAS, WA 98295-9613
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000603541
Date	Jun 21, 2021
Instrument	2021-0603541

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

July 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	409 HARRISON ST, SUMAS, WA 98295-9613
Document Number	2210101195
Instrument Date	Jul 1, 2020
Transaction Type	Mortgage
Record Updated	Jan 21, 2021
Title Company	SERVICELINK LOAN MOD SOLUTIONS, SERVICELINK LN MOD SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	409 HARRISON ST SUMAS WA 982959613, SUMAS, WA 98295-9613

Mortgage

Document Number	2210101195
Date	Jan 11, 2021
Instrument	101195

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	OKLAHOMA CITY, OK 73134

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2051

Interest

Rate	3.5%

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 11, 2017
Property Address	409 HARRISON ST, SUMAS, WA 98295-9613
Document Number	2170801394
Instrument Date	Jul 16, 2017
Instrument	801394
Transaction Type	Transfer
Record Updated	Jan 21, 2021
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$3,583.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	409 HARRISON ST SUMAS WA 982959613, SUMAS, WA 98295-9613

Mortgage

Document Number	2170801395
Date	Aug 11, 2017
Instrument	801395

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 10, 2047

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,825.00 (+34.68%)	$412,719 (+30.03%) Land $122,265 Building $290,454	$412,719 (+30.03%) Land $122,265 Building $290,454
2022		$317,408 Land $93,072 Building $224,336	$317,408 Land $93,072 Building $224,336
2021	$2,840.00

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 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	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2025 · 218 claims Severe Storms, Flooding, Landslides, And Mudslides, Feb 2020 · 6 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.

Drinking Water

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

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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 165 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

Cell Coverage

No cell data coverage reported

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