646 S Beach Rd, Point Roberts, WA 98281 Property Records

Whatcom County property record for 646 S Beach Rd, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,200 sqft · built 1992
Lot Size	0.46 acres (20,038 sqft)
Owner	Individual Name on File
Last Sale	$470,280 (Jan 2012)
Tax Bill	$6,784 (2025)
Deeds & Mortgages	Apr 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`493466`

Property Details

APN / Parcel Number

Primary APN	`493466`
Alternative APNs	`405311 145496 0000` `156307`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	2,200 sqft Living Area
1st Floor Area	1,300 sqft
2nd Floor Area	900 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	20,038 sqft (0.46 acres)
Garage Type	Detached
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	520 sqft
Deck Area	892 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	493466
Street Address	646 S BEACH RD
City	POINT ROBERTS
State	WA
Zip	98281-8401
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR2
Legal Description	TR IN W 1/2 GOVT LOT 2 DAF-BEAP ON E LI OF CO RD 539 736 FT S OF N LI OF GOVT LOT 2-TH E PAR WI N LI OF GOVT LOT 2 200 FT-TH
Legal Range	53
Legal Township	40
Legal Section	11
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	1
Census Block	1018
Census Tract	11000

Owner

Source: Whatcom County records · APN 493466

Assessment roll updated May 31, 2025 · Last verified March 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
Co-owner	Verified Secondary Owner
Mailing Address	646 S BEACH RD, POINT ROBERTS, WA 98281-8401
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 30, 2012 · Amount on Record
Deed Sale	Jan 30, 2012 · Amount on Record
Prior Sale	Jun 28, 2002
Deed Document Number	2120103138
Record Updated	Jun 08, 2026

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	646 S BEACH RD, POINT ROBERTS, WA 98281-8401
Document Number	2200603304
Instrument Date	Apr 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 29, 2020
Title Company	FIDELITY NATIONAL TITLE, FIDELITY NATL AGENCY SOLUTION

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	646 S BEACH RD POINT ROBERTS WA 982818401, POINT ROBERTS, WA 98281-8401

Mortgage

Document Number	2200603304
Date	Jun 19, 2020
Instrument	603304

Lender

Name	CHERRY CREEK MTG
Type	Mortgage Company
Address	GREENWOOD VILLAGE, CO 80111

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 18, 2050

Tax Assessment & Valuation

Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026

Property Jurisdictions

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

Tax Bill & Assessment History

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	$6,784.00 (+25.21%)	$885,861 (+15.2%) Land $389,280 Building $496,581	$885,861 (+15.2%) Land $389,280 Building $496,581
2022		$768,988 Land $320,000 Building $448,988	$768,988 Land $320,000 Building $448,988
2021	$5,418.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 11 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	43 units insured incl. 32 condo units
Nearby Flood Claims	3 (2006–2021)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides

Wildfire

Wildfire Risk	Not rated no burnable land within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Abound Ventures DSL · Fiber in parts of the area	25 / 3

Based on FCC filings for 247 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	POINT ROBERTS WATER DISTRICT NO 4 serves 1,440 people
Water Source	Groundwater
Last State Inspection	Nov 2022
Lead	1 ppb (2020–2022) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.