Whatcom County property record for 515 E 3rd St, Sumas, WA 98295 · Last verified July 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 1.5 Baths |
| Year Built | Built 1973 |
| Square Footage | 1,170 sqft Living Area |
| Lot Size | 6,098 sqft (0.14 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $330,000 (2023) |
| Tax Bill | $2,844.00 (2025) |
| Primary APN | 410435-094168-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Partial Baths | 1 Partial Baths |
| Building Area | 1,170 sqft Living Area |
| Gross Area | 1,534 sqft Gross Area |
| 1st Floor | 1,170 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Carpet Flooring |
| Interior Structure | Finished/Painted Interior Structure |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Wood Exterior |
| Roof Material | Composition Shingle Roof |
| Lot Area | 6,098 sqft (0.14 acres) |
| Parking Spaces | 1 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 364 sqft Garage |
| Patio Area | 308 sqft Patio |
| Porch Area | 288 sqft Porch |
| Heating System | Baseboard Heating |
|---|---|
| Heating Fuel | Electric Heating Fuel |
| Account Number | 159241 |
|---|---|
| Street Address | 515 E 3RD ST |
| City | SUMAS |
| State | WA |
| Zip | 98295-9670 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 1 BRYAN & LYDIA CHRISTENSEN SHORT PLAT AS REC AF 2070203024 |
| Legal Range | 04 |
| Legal Township | 41 |
| Legal Section | 35 |
| Legal Subdivision | BRYAN & LYDIA CHRISTENSEN SHORT PLAT |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | WHATCOM WA |
| Minor Civil Division | SUMAS |
| Census Blockgroup | 1 |
| Census Block | 1016 |
| Census Tract | 10202 |
Source: Whatcom County records · APN 410435-094168-0000
Assessment roll updated December 30, 2025 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Vesting | Single Woman |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Small Business Association Mortgage US SMALL BUSN ADMN |
| Aug 31, 2022 | Deed of Trust, Mortgage · Veterans Administration Mortgage UMPQUA BANK |
| Sep 11, 2023 | Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 19, 2020 | Deed of Trust, Mortgage BKCO MTG LLC |
| Oct 14, 2020 | Deed of Trust, Mortgage · Veterans Administration Mortgage UMPQUA BK |
| Sep 21, 2018 | Warranty Deed, Transfer · Veterans Administration Mortgage UMPQUA BK |
| Feb 16, 2018 | Deed of Trust, Mortgage · Conventional Mortgage with Private Mortgage Insurance (PMI) INDUSTRIAL CU |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Sep 11, 2023 · Amount on Record |
| Deed Sale | Sep 11, 2023 · Amount on Record |
| Prior Sale | Sep 21, 2018 · Amount on Record |
| Deed Doc Number | 2023659 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 30, 2026 |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 0000002561 |
| Instrument Date | Jun 18, 2026 |
| Instrument | 20262561 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 0000002561, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 20262561 |
| Name | US SMALL BUSN ADMN |
|---|
| Type | Small Business Association Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 12, 2056 |
| Rate | 6.51% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000802986 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | 2022-0802986 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97223 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 339 Months |
| Due | Nov 01, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 11, 2023 |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 0000900659 |
| Map Reference | AF 2070203024 |
| Instrument Date | Sep 08, 2023 |
| Instrument | 2023-0900659 |
| Transaction Type | Transfer |
| Record Updated | Nov 01, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,285.00 |
| Amount Accuracy | Calculated from Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 0000900660 |
|---|---|
| Date | Sep 11, 2023 |
| Instrument | 2023-0900660 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 01, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 2201004243 |
| Instrument Date | Oct 19, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 04, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 1219 MODOC DR BELLINGHAM WA 982292317, BELLINGHAM, WA 98229-2317 |
| Document Number | 2201004243 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 1004243 |
| Name | BKCO MTG LLC |
|---|---|
| Address | BELLINGHAM, WA 98226 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 2201004448 |
| Instrument Date | Oct 14, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 02, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 515 E 3RD ST SUMAS WA 982959670, SUMAS, WA 98295-9670 |
| Document Number | 2201004448 |
|---|---|
| Date | Oct 23, 2020 |
| Instrument | 1004448 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 21, 2018 |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 2180902017 |
| Instrument Date | Sep 17, 2018 |
| Instrument | 902017 |
| Transaction Type | Transfer |
| Record Updated | Oct 02, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $3,867.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 515 E 3RD ST SUMAS WA 982959670, SUMAS, WA 98295-9670 |
| Document Number | 2180902018 |
|---|---|
| Date | Sep 21, 2018 |
| Instrument | 902018 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Veterans Administration Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 20, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 515 E 3RD ST, SUMAS, WA 98295-9670 |
| Document Number | 2180202012 |
| Instrument Date | Feb 16, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband And Wife |
| Address | 515 E 3RD ST SUMAS WA 982959670, SUMAS, WA 98295-9670 |
| Document Number | 2180202012 |
|---|---|
| Date | Feb 21, 2018 |
| Instrument | 202012 |
| Name | INDUSTRIAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-1767 |
| Type | Conventional Mortgage with Private Mortgage Insurance (PMI) |
|---|---|
| Amount | Amount Recorded |
Source: Whatcom County records · Assessment roll updated December 30, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Municipality | Sumas City |
| Unified School District | Nooksack Valley School District (PK - 12) |
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 | $2,844.00 (+29.74%) | $307,773 (+26.62%) Land $108,680 Building $199,093 | $307,773 (+26.62%) Land $108,680 Building $199,093 |
| 2022 | $243,076 Land $93,072 Building $150,004 | $243,076 Land $93,072 Building $150,004 | |
| 2021 | $2,192.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Special Flood Hazard Area | Yes |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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