5640 S Pass Rd, Sumas, WA 98295 Property Records

Whatcom County property record for 5640 S Pass Rd, Sumas, WA 98295

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,343 sqft · built 1996
Lot Size	11.3 acres (494,842 sqft)
Owner	Individual Name on Record
Last Sale	$675,000 (Jan 2022)
Tax Bill	$6,750 (2025)
Deeds & Mortgages	Apr 2024 Mortgage Sep 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`588452`

Property Details

APN / Parcel Number

Primary APN	`588452`
Alternative APNs	`400517 490495 0000` `141869` `24313`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,343 sqft Living Area
1st Floor Area	1,151 sqft
2nd Floor Area	1,192 sqft
Attic Area	152 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	494,842 sqft (11.3 acres)
Garage Type	Mixed
Garage Area	528 sqft
Carport	Carport
Carport Area	400 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	144 sqft
Deck Area	161 sqft
Patio Area	148 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	24313
Street Address	5640 S PASS RD
City	SUMAS
State	WA
Zip	98295-8617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RF
Legal Description	LOT 3 SOUTH PASS SHORT PLAT AS REC BOOK 24 SHORT PLATS PG 52
Legal Range	05
Legal Township	40
Legal Section	17
Legal Subdivision	SOUTH PASS SHORT PLAT
Legal Lot Number	3
Jurisdiction	WHATCOM WA
Township / Civil Division	EAST WHATCOM
Census Block Group	2
Census Block	2000
Census Tract	10101

Owner

Source: Whatcom County records, as of March 16, 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 Record
Mailing Address	5640 S PASS RD, SUMAS, WA 98295-8617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 5, 2024	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Sep 18, 2023	Deed of Trust, Mortgage · FHA Mortgage DEPARTMENT OF HOUSING & URBAN DEV
Apr 24, 2023	Deed of Trust, Mortgage · FHA Mortgage NEWREZ LLC
Jan 25, 2022	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 25, 2022 · Amount on Record
Deed Sale	Jan 25, 2022 · Amount on Record
Prior Sale	Jun 21, 2002
Deed Document Number	2022-0102803
Record Updated	Jun 8, 2026

April 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5640 S PASS RD, SUMAS, WA 98295-8617
Transaction Type	Mortgage
Record Updated	Apr 12, 2024
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5640 S PASS RD, SUMAS, WA 98295-8617

Mortgage

Document Number	0000400423
Date	Apr 5, 2024
Instrument	2024-0400423

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	334 Months
Due	Feb 1, 2052

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5640 S PASS RD, SUMAS, WA 98295-8617
Transaction Type	Mortgage
Record Updated	Sep 27, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5640 S PASS RD, SUMAS, WA 98295-8617

Mortgage

Document Number	0000901262
Date	Sep 18, 2023
Instrument	2023-0901262

Lender

Name	DEPARTMENT OF HOUSING & URBAN DEV
Type	Government Agency
Address	WASHINGTON, DC 20410

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	341 Months
Due	Feb 1, 2052

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5640 S PASS RD, SUMAS, WA 98295-8617
Transaction Type	Mortgage
Record Updated	May 3, 2023
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5640 S PASS RD, SUMAS, WA 98295-8617

Mortgage

Document Number	0000401663
Date	Apr 24, 2023
Instrument	2023-0401663

Lender

Name	NEWREZ LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Feb 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 25, 2022
Property Address	5640 S PASS RD, SUMAS, WA 98295-8617
Document Number	0000102803
Instrument Date	Jan 25, 2022
Instrument	2022-0102803
Transaction Type	Transfer
Record Updated	Feb 2, 2022
Title Company	NOT AVAILABLE, WHATCOM LAND TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$11,120.00
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	5640 SOUTH PASS RD, SUMAS, WA 98295-8617

Mortgage

Document Number	0000102804
Date	Jan 25, 2022
Instrument	2022-0102804

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Tax Assessment & Valuation

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	$6,750.00 (+35.38%)	$728,127 (+20.32%) Land $279,355 Building $448,772	$728,127 (+20.32%) Land $279,355 Building $448,772
2022		$605,149 Land $216,560 Building $388,589	$605,149 Land $216,560 Building $388,589
2021	$4,986.00

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

Flood

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 Record median of 40 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	40 in force
Nearby Flood Claims	22 (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 · 22 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · lower than 64% of Washington
Wildfire Likelihood	0.04% 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 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	25 / 3

May also be available: Pogozone powered by Neubeam.

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