Whatcom County property record for 541 2nd St, Sumas, WA 98295
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,673 sqft · built 2020 |
| Lot Size | 0.7 acres (30,492 sqft) |
| Owner | Individual Name on File |
| Last Sale | $385,000 (May 2020) |
| Tax Bill | $3,285 (2026) |
| Deeds & Mortgages | Oct 2020 Mortgage Sep 2020 Transfer + 1 more |
| Flood Zone | Zone AE (high risk) |
| APN | 410435-141190-0000 |
| Primary APN | 410435-141190-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,673 sqft Living Area |
| Gross Area | 2,262 sqft |
| 1st Floor Area | 1,673 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2020 |
|---|---|
| Effective Year Built | Effective 2020 |
| Exterior Material | Siding Sheathing |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 30,492 sqft (0.7 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Deck Area | 710 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 188042 |
|---|---|
| Street Address | 541 2ND ST |
| City | SUMAS |
| State | WA |
| Zip | 98295-9673 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RH |
| Legal Description | LOT 2 MAPLE CREEK ESTATES SHORT PLAT NO 2 AS REC AF 2020-0200924 |
| Legal Range | 04 |
| Legal Township | 41 |
| Legal Section | 35 |
| Legal Subdivision | MAPLE CREEK ESTATES SHORT PLAT NO 2 |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | SUMAS |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 10202 |
541 2nd St is owned by an individual who acquired it in August 2020.
Source: Whatcom County records, as of October 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1185 TELEGRAPH RD, BELLINGHAM, WA 98226-7738 |
| 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.
| Date | Document |
|---|---|
| Oct 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage STEPHEN R & CAYLA M SAMMS |
| Sep 28, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| May 13, 2020 | Warranty Deed, Transfer · Conventional Mortgage HOUSING FIN AUTH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 13, 2020 · Amount on File |
| Deed Sale | May 13, 2020 · Amount on File |
| Deed Document Number | 2020501466 |
| Last Transfer Date | Aug 28, 2020 |
| Transfer Doc | 0000094940 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 541 2ND ST, SUMAS, WA 98295-9673 |
| Document Number | 2201100423 |
| Instrument Date | Oct 27, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 11, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5202 REESE HILL RD SUMAS WA 982958604, SUMAS, WA 98295-8604 |
| Document Number | 2201100423 |
|---|---|
| Date | Nov 3, 2020 |
| Instrument | 1100423 |
| Name | STEPHEN R & CAYLA M SAMMS |
|---|---|
| Address | 3362 HALVERSTICK RD, SUMAS, WA 98295-9749 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 28, 2020 |
| Property Address | 541 2ND ST, SUMAS, WA 98295-9673 |
| Document Number | 2200904940 |
| Instrument Date | Aug 28, 2020 |
| Instrument | 904940 |
| Transaction Type | Transfer |
| Record Updated | Oct 7, 2020 |
| Title Company | NOT AVAILABLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 5202 REESE HILL RD SUMAS WA 982958604, SUMAS, WA 98295-8604 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 13, 2020 |
| Property Address | 541 2ND ST, SUMAS, WA 98295-9673 |
| Document Number | 2200501466 |
| Instrument Date | May 12, 2020 |
| Instrument | 501466 |
| Transaction Type | Transfer |
| Record Updated | Jul 16, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $6,165.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 541 2ND ST SUMAS WA 98295, SUMAS, WA 98295 |
| Document Number | 2200501468 |
|---|---|
| Date | May 13, 2020 |
| Instrument | 501468 |
| Name | HOUSING FIN AUTH |
|---|---|
| Address | 1000 2ND AVE # 2700, SEATTLE, WA 98104-3601 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
| Document Number | 2200501467, |
|---|---|
| Date | May 13, 2020 |
| Instrument | 501467 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 12, 2050 |
The 2026 property tax bill for 541 2nd St was $3,285, down 32.5% from the year before.
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 |
|---|---|---|---|
| 2026 | $3,285.00 (-32.46%) | ||
| 2025 | $4,864.00 (+1.4%) | $328,474 (-36.54%) Land $150,997 Building $177,477 | $328,474 (-36.54%) Land $150,997 Building $177,477 |
| 2024 | $4,797.00 | $517,614 Land $111,917 Building $405,697 | $517,614 Land $111,917 Building $405,697 |
| 2022 | $466,328 Land $100,828 Building $365,500 | $466,328 Land $100,828 Building $365,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 541 2nd St in Zone AE, a high-risk flood area; flood insurance is required for federally backed loans.
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.
Wildfire risk around 541 2nd St is low, with less than 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 98% of the US · lower than 98.6% 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 146 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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