Whatcom County property record for 540 2nd St, Sumas, WA 98295
| Property Type | Quadplex |
|---|---|
| Details | 8 bd · 4 ba · 3,164 sqft · built 1979 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on File |
| Last Sale | $475,000 (Mar 2023) |
| Tax Bill | $5,054 (2025) |
| Deeds & Mortgages | Jun 2026 Mortgage Mar 2023 Sale & Mortgage |
| Flood Zone | Zone AE (high risk) |
| APN | 410435-092213-0000 |
| Primary APN | 410435-092213-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 8 Beds |
|---|---|
| Full Baths | 4 Baths |
| Units | 4 Units |
| Stories | 2 Stories |
| Building Area | 3,164 sqft Living Area |
| 1st Floor Area | 1,546 sqft |
| Year Built | Built 1979 |
|---|---|
| Effective Year Built | Effective 1979 |
| Architectural Style | Quadruplex |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 8,712 sqft (0.2 acres) |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 159236 |
|---|---|
| Street Address | 540 2ND ST |
| City | SUMAS |
| State | WA |
| Zip | 98295-9675 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Quadplex |
| Local Zoning Code | RH |
| Legal Description | TRACT A CANDLEWOOD LLA AS REC AF 1980800546 |
| Legal Range | 04 |
| Legal Township | 41 |
| Legal Section | 35 |
| Legal Subdivision | CANDLEWOOD LLA |
| Legal Tract | A |
| Legal Block | 1 |
| Legal Lot Number | A |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 10202 |
Source: Whatcom County records, as of June 18, 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 File |
|---|---|
| Mailing Address | 1559 FRUITLAND DR, BELLINGHAM, WA 98226-1201 |
| Owner Type | Individual |
| Vesting | Unmarried |
| Date | Document |
|---|---|
| Jun 11, 2026 | Deed of Trust, Mortgage · SBA Mortgage U S SMALL BUSINESS ADMINI |
| Mar 2, 2023 | Warranty Deed, Transfer · Conventional Mortgage ALL SQUARE MORTGAGE INC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 2023 · Amount on File |
| Deed Sale | Mar 2, 2023 · Amount on File |
| Prior Sale | May 20, 2016 · Amount on File |
| Deed Document Number | 2023169 |
| Prior Transfer Date | Jan 9, 2010 |
| Prior Transfer Doc | 0000101419 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 11, 2026 |
| Property Address | 540 2ND ST, SUMAS, WA 98295-9675 |
| Document Number | 0000001008 |
| Instrument Date | May 20, 2026 |
| Instrument | 20261008 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER |
| Name | Verified Name |
|---|---|
| Address | 1559 FRUITLAND DR, BELLINGHAM, WA 98226-1201 |
| Document Number | 0000001008, |
|---|---|
| Date | Jun 11, 2026 |
| Instrument | 20261008 |
| Name | U S SMALL BUSINESS ADMINI |
|---|
| Type | SBA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 20, 2056 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Mar 2, 2023 |
| Property Address | 540 2ND ST, SUMAS, WA 98295-9675 |
| Document Number | 0000300169 |
| Map Reference | FILE 1980800546 |
| Instrument Date | Feb 16, 2023 |
| Instrument | 2023-0300169 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,605.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1559 FRUITLAND DR, BELLINGHAM, WA 98226-1201 |
| Document Number | 0000300170 |
|---|---|
| Date | Mar 2, 2023 |
| Instrument | 2023-0300170 |
| Name | ALL SQUARE MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2053 |
Source: Whatcom County assessment roll, as of December 30, 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 | $5,054.00 (+15.68%) | $553,152 (+81.6%) Land $156,228 Building $396,924 | $553,152 (+81.6%) Land $156,228 Building $396,924 |
| 2022 | $304,598 Land $124,096 Building $180,502 | $304,598 Land $124,096 Building $180,502 | |
| 2021 | $4,369.00 |
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 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 File 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 99.1% of the US · lower than 99.4% of Washington |
|---|---|
| Wildfire Likelihood | Under 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 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 |
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