4407 S Pass Rd, Sumas, WA 98295 Property Records

Whatcom County property record for 4407 S Pass Rd, Sumas, WA 98295

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 2,208 sqft · built 1909
Lot Size	1.95 acres (84,942 sqft)
Owner	2 Individual Names on File
Last Sale	$350,000 (Aug 2019)
Tax Bill	$5,166 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`564195`

Property Details

APN / Parcel Number

Primary APN	`564195`
Alternative APNs	`400423 446019 0000` `138262`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	2,208 sqft Living Area
1st Floor Area	1,056 sqft
2nd Floor Area	936 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft

Exterior

Year Built	Built 1909
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	84,942 sqft (1.95 acres)
Porch	Porch
Porch Area	197 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	564195
Street Address	4407 S PASS RD
City	SUMAS
State	WA
Zip	98295-8403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	SE SE LY S OF SOUTH PASS RD-EXC E 825 FT THEREOF-THAT PTN IF ANY LY NLY OF LI 412.5 FT N OF S SEC LI-S OF A LI 907.5 FT OF N
Legal Range	04
Legal Township	40
Legal Section	23
Jurisdiction	WHATCOM WA
Township / Civil Division	SUMAS
Census Block Group	1
Census Block	1000
Census Tract	10201

Owner

4407 S Pass Rd is owned and occupied by two individuals who bought it in August 2019.

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	2 Individual Names on File
Mailing Address	4407 S PASS RD, SUMAS, WA 98295-8403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage PRIMELENDING
Aug 28, 2019	Warranty Deed, Transfer · Conventional with PMI PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 28, 2019 · Amount on File
Deed Sale	Aug 28, 2019 · Amount on File
Prior Sale	Jun 24, 1999 · Amount on File
Deed Document Number	2019-0803637
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	4407 S PASS RD, SUMAS, WA 98295-8403
Transaction Type	Mortgage
Record Updated	Jul 9, 2021
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210605307
Date	Jun 30, 2021
Instrument	2021-0605307

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

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

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 28, 2019
Property Address	4407 S PASS RD, SUMAS, WA 98295-8403
Document Number	2190803637
Instrument Date	Aug 21, 2019
Instrument	803637
Transaction Type	Transfer
Record Updated	Sep 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,235.00
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4407 S PASS RD SUMAS WA 982958403, SUMAS, WA 98295-8403

Mortgage

Document Number	2190803638
Date	Aug 28, 2019
Instrument	803638

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Aug 27, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 4407 S Pass Rd was $5,166.

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,166.00	$558,182 Land $215,946 Building $342,236	$558,182 Land $215,946 Building $342,236
2022		$361,558 Land $140,168 Building $221,390	$361,558 Land $140,168 Building $221,390
2021	$3,008.00

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

Flood

FEMA maps place 4407 S Pass Rd in Zone X, an area of minimal flood risk, though there have been 9 flood claims nearby since 2021.

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
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 44 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	44 in force
Nearby Flood Claims	9 (2021–2025)
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 · 8 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 4407 S Pass Rd is low, with a 0.02% 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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Ziply Fiber DSL	90 / 5
Pogozone powered by Neubeam Fixed Wireless	75 / 20

Cell Coverage

5G and 4G LTE (outdoors only)

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