5905 S Pass Rd, Sumas, WA 98295 Property Records

Whatcom County property record for 5905 S Pass Rd, Sumas, WA 98295

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 832 sqft · built 1973
Lot Size	1.42 acres (62,291 sqft)
Owner	Owner Name on File
Last Sale	$185,280 (Aug 2011)
Tax Bill	$3,854 (2025)
Deeds & Mortgages	Sep 2023 Line of Credit Aug 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`490591`

Property Details

APN / Parcel Number

Primary APN	`490591`
Alternative APNs	`400509 255033 0000` `140813`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	832 sqft Living Area
1st Floor Area	832 sqft
Basement Area	832 sqft
Finished Basement	832 sqft
Fireplaces	3 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	62,291 sqft (1.42 acres)
Deck Area	442 sqft
Patio Area	234 sqft
Storage Building	392 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	490591
Street Address	5905 S PASS RD
City	SUMAS
State	WA
Zip	98295-8616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 125 FT OF THAT PTN OF SE SW LY SE OF SOUTH PASS RD
Legal Range	05
Legal Township	40
Legal Section	09
Jurisdiction	WHATCOM WA
Township / Civil Division	EAST WHATCOM
Census Block Group	2
Census Block	2005
Census Tract	10101

Owner

The current owner of 5905 S Pass Rd bought it in August 2011.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Owner Name on File
Mailing Address	5905 S PASS RD, SUMAS, WA 98295-8616
Occupancy	Owner Occupied

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 20, 2023	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CREDIT UNION
Aug 3, 2022	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU
Jan 23, 2017	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD MTG

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2011 · Amount on File
Deed Sale	Aug 29, 2011 · Amount on File
Prior Sale	Sep 10, 2007 · Amount on File
Deed Document Number	2110802891
Record Updated	Jun 8, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5905 S PASS RD, SUMAS, WA 98295-8616
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000901482
Date	Sep 20, 2023
Instrument	2023-0901482

Lender

Name	INDUSTRIAL CREDIT UNION
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5905 S PASS RD, SUMAS, WA 98295-8616
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000800264
Date	Aug 3, 2022
Instrument	2022-0800264

Lender

Name	INDUSTRIAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	5905 S PASS RD, SUMAS, WA 98295-8616
Document Number	2170102953
Instrument Date	Jan 23, 2017
Transaction Type	Mortgage
Record Updated	Feb 22, 2017
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5905 S PASS RD SUMAS WA 982958616, SUMAS, WA 98295-8616

Mortgage

Document Number	2170102953
Date	Jan 26, 2017
Instrument	102953

Lender

Name	NEIGHBORHOOD MTG
Type	Mortgage Company
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jan 25, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 5905 S Pass Rd was $3,854.

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Mount Baker School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,854.00	$496,243 Land $205,014 Building $291,229	$496,243 Land $205,014 Building $291,229
2022		$281,035 Land $66,213 Building $214,822	$281,035 Land $66,213 Building $214,822
2021	$1,931.00

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

Flood

FEMA maps place 5905 S Pass Rd in Zone X, an area of minimal flood risk, though there have been 22 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 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

Wildfire risk around 5905 S Pass Rd is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 66% of the US · lower than 71% 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber · DSL	6,000 / 6,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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