428 E Madison St, Nooksack, WA 98276 Property Records

Whatcom County property record for 428 E Madison St, Nooksack, WA 98276

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,638 sqft · built 2021
Lot Size	0.46 acres (20,038 sqft)
Owner	2 Individual Names on File
Last Sale	$487,000 (Apr 2021)
Tax Bill	$4,765 (2025)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`400429-427249-0000`

Property Details

APN / Parcel Number

Primary APN	`400429-427249-0000`
Alternative APNs	`187731` `579916`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,638 sqft Living Area
Gross Area	2,302 sqft
1st Floor Area	1,638 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Attached
Garage Area	621 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Concrete/Masonry Porch
Patio Area	224 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	187731
Street Address	428 E MADISON ST
City	NOOKSACK
State	WA
Zip	98276-7001
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	EAST MADISON ESTATES ALTERATION LOT 6
Legal Range	04
Legal Township	40
Legal Section	29
Legal Subdivision	EAST MADISON ESTATES ALTERATION
Legal Block	2
Legal Lot Number	6
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	2
Census Block	2053
Census Tract	10201

Owner

428 E Madison St is owned and occupied by two individuals who bought it in April 2021.

Source: Whatcom County records, as of April 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	428 E MADISON ST, NOOKSACK, WA 98276-7001
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2021 · Amount on File
Deed Sale	Apr 30, 2021 · Amount on File
Prior Sale	Apr 30, 2021 · Amount on File
Deed Document Number	20215493
Record Updated	Jun 8, 2026

April 2021: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 30, 2021
Property Address	428 E MADISON ST, NOOKSACK, WA 98276-7001
Document Number	0000405493
Map Reference	AF 2021-0103524
Instrument Date	Apr 22, 2021
Instrument	2021-0405493
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,797.00
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	428 E MADISON ST, NOOKSACK, WA 98276-7001

Mortgage

Document Number	0000405495
Date	Apr 30, 2021
Instrument	2021-0405495

Lender

Name	PEOPLES BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

The 2025 property tax bill for 428 E Madison St was $4,765.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,765.00	$516,168 Land $214,434 Building $301,734	$516,168 Land $214,434 Building $301,734
2022		$514,860 Land $193,900 Building $320,960	$514,860 Land $193,900 Building $320,960
2021	$1,216.00

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

Flood

FEMA maps place 428 E Madison St in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

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 minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File 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

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.

Wildfire

Wildfire risk around 428 E Madison St is low, with a 0.01% annual chance of wildfire.

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	NOOKSACK WATER DEPT serves 2,427 people · EPA ID WA5359800
Water Source	Purchased groundwater from several systems
Last State Inspection	Jun 2023
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 12 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 Fiber	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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