Whatcom County property record for 426 Cornerstone Dr, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 2,138 sqft · built 2020 |
| Lot Size | 0.369 acres (16,117 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $381,800 (Jan 2020) |
| Tax Bill | $4,676 (2025) |
| Deeds & Mortgages | Feb 2022 Line of Credit Nov 2021 Mortgage + 3 more |
| Flood Zone | Zone X (moderate risk) |
| APN | 567836 |
| Primary APN | 567836 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,138 sqft Living Area |
| 1st Floor Area | 1,832 sqft |
| 2nd Floor Area | 306 sqft |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 16,117 sqft (0.369 acres) |
| Garage Type | Attached |
| Garage Area | 506 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Covered Porch |
| Patio Area | 416 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 567836 |
|---|---|
| Street Address | 426 CORNERSTONE DR |
| City | SUMAS |
| State | WA |
| Zip | 98295-9325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | HOVEL ESTATES DIV 2 LOT 48 |
| Legal Range | 04 |
| Legal Township | 40 |
| Legal Section | 02 |
| Legal Subdivision | HOVEL ESTATES DIV 2 |
| Legal Lot Number | 48 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1072 |
| Census Tract | 10202 |
Source: Whatcom County records, as of March 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Feb 28, 2022 | Deed of Trust, Mortgage · Line of Credit UMPQUA BANK |
| Nov 9, 2021 | Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK |
| Mar 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| Feb 17, 2021 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HSNG AND URBAN DEVELOPMENT |
| Jan 14, 2020 | Warranty Deed, Subdivision Related Transfer CALIBER HM LOANS |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 14, 2020 · Amount on Record |
| Deed Sale | Jan 14, 2020 · Amount on Record |
| Prior Sale | Jan 14, 2020 · Amount on Record |
| Deed Document Number | 2020-0101490 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Transaction Type | Mortgage |
| Record Updated | Mar 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Document Number | 0000203168 |
|---|---|
| Date | Feb 28, 2022 |
| Instrument | 2022-0203168 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | SPOKANE, WA 99201 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Transaction Type | Mortgage |
| Record Updated | Nov 15, 2021 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 20211101433 |
|---|---|
| Date | Nov 9, 2021 |
| Instrument | 2021-1101433 |
| Name | PEOPLES BANK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 20210305801 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 2021-0305801 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Transaction Type | Mortgage |
| Record Updated | Apr 13, 2021 |
| Name | Verified Name |
|---|
| Document Number | 20210202993 |
|---|---|
| Date | Feb 17, 2021 |
| Instrument | 2021-0202993 |
| Name | SECRETARY OF HSNG AND URBAN DEVELOPMENT |
|---|---|
| Type | Non-Lending Institution |
| Address | WASHINGTON, DC 20410 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 348 Months |
| Due | Feb 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jan 14, 2020 |
| Property Address | 426 CORNERSTONE DR, SUMAS, WA 98295-9325 |
| Document Number | 2200101490 |
| Instrument Date | Jan 6, 2020 |
| Instrument | 101490 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 10, 2020 |
| Title Company | GUARDIAN NW TITLE AND ESCROW, GUARDIAN NW TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,114.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 426 CORNERSTONE DR SUMAS WA 982959325, SUMAS, WA 98295-9325 |
| Document Number | 2200101491 |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 101491 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 13, 2050 |
| Document Number | 2200101492, |
|---|---|
| Date | Jan 14, 2020 |
| Instrument | 101492 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | 1000 2ND AVE # 2700, SEATTLE, WA 98104-3601 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jan 13, 2050 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Sumas City |
| Unified School District | Nooksack Valley School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,676.00 (-4%) | $504,625 (-9.66%) Land $141,963 Building $362,662 | $504,625 (-9.66%) Land $141,963 Building $362,662 |
| 2022 | $558,581 Land $124,096 Building $434,485 | $558,581 Land $124,096 Building $434,485 | |
| 2021 | $4,871.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 107 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 · Fiber in parts of the area | 250 / 35 |
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