657 Freeman Ln, Point Roberts, WA 98281 Property Records

Whatcom County property record for 657 Freeman Ln, Point Roberts, WA 98281

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,790 sqft · built 1999
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$950,000 (Oct 2022)
Tax Bill	$7,389 (2025)
Deeds & Mortgages	Oct 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`595835`

Property Details

APN / Parcel Number

Primary APN	`595835`
Alternative APNs	`405309 479515 0000` `154583` `59261`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,790 sqft Living Area
1st Floor Area	1,790 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	6,970 sqft (0.16 acres)
Lot Width	50 ft Width

Exterior Amenities

Porch	Porch
Porch Area	105 sqft
Deck Area	548 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	59261
Street Address	657 FREEMAN LN
City	POINT ROBERTS
State	WA
Zip	98281-8606
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR1
Legal Description	TR IN GOVT LOT 1 DAF-BEG AT AN IRON PIPE MARKING MEANDER COR ON N LI OF GOVT LOT 1-TH E 29.4 FT-TH S 01 DEG 15'00\ W 650.05 F
Legal Range	53
Legal Township	40
Legal Section	09
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	POINT ROBERTS
Census Block Group	3
Census Block	3003
Census Tract	11000

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
Co-owner	Co-owner on Record
Mailing Address	657 FREEMAN LN, POINT ROBERTS, WA 98281-8606
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 14, 2022 · Amount on Record
Deed Sale	Oct 14, 2022 · Amount on Record
Prior Sale	Apr 15, 2009
Deed Document Number	2022-1001195
Record Updated	Jun 8, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 14, 2022
Property Address	657 FREEMAN LN, POINT ROBERTS, WA 98281-8606
Document Number	0001001195
Instrument Date	Oct 7, 2022
Instrument	2022-1001195
Transaction Type	Transfer
Record Updated	Oct 21, 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	$16,015.00
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	657 FREEMAN LN, POINT ROBERTS, WA 98281-8606

Mortgage

Document Number	0001001196
Date	Oct 14, 2022
Instrument	2022-1001196

Lender

Name	BANK OF THE WEST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Adjustable	Adjustable Rate Rider
Type Change Date	Nov 1, 2029
Change Frequency	6 Months
Min Rate At Change	3.8%
Max Rate At Change	10.2%
Index	Other
Margin	3
Max Rate	10.2%

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	Blaine School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$7,389.00 (-2.93%)	$964,848 (+18.76%) Land $729,900 Building $234,948	$964,848 (+18.76%) Land $729,900 Building $234,948
2022		$812,430 Land $600,000 Building $212,430	$812,430 Land $600,000 Building $212,430
2021	$7,612.00

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 19 policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	19 in force
Nearby Flood Claims	3 (2006–2016)
Most Recent Claim	Mar 2016 · tidal / storm surge

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	POINT ROBERTS WATER DISTRICT NO 4 serves 1,440 people · EPA ID WA5395750
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 58 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Whidbey Telephone Fiber	1,000 / 1,000

Cell Coverage

4G LTE only, no 5G reported

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