9181 Heady Rd, Sumas, WA 98295 Property Records

Whatcom County property record for 9181 Heady Rd, Sumas, WA 98295

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 2,400 sqft · built 1980
Lot Size	9.85 acres (429,066 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,676 (2025)
Deeds & Mortgages	Jun 2026 Mortgage Feb 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`400510-195384-0000`

Property Details

APN / Parcel Number

Primary APN	`400510-195384-0000`
Alternative APNs	`140873` `564361`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,400 sqft Living Area
Gross Area	3,180 sqft
1st Floor Area	1,620 sqft
Basement Area	780 sqft
Finished Basement	780 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1998
Exterior Material	Wood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	429,066 sqft (9.85 acres)
Garage Type	Attached
Garage Area	780 sqft
Parking Spaces	9 Parking Spaces
Deck Area	528 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	140873
Street Address	9181 HEADY RD
City	SUMAS
State	WA
Zip	98295-7903
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	N 330 FT OF SE NW LY N OF SOUTH PASS RD-LESS RD
Legal Range	05
Legal Township	40
Legal Section	10
Jurisdiction	WHATCOM WA
Township / Civil Division	EAST WHATCOM
Census Block Group	2
Census Block	2007
Census Tract	10102

Owner

Source: Whatcom County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	9181 HEADY RD, SUMAS, WA 98295-7903
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Deed of Trust, Mortgage · FHA Mortgage SIMPLE TITLE, SIMPLIFILE
Feb 6, 2023	Deed of Trust, Mortgage · Commercial Mortgage HOMETAP EQUITY SPV LLC
Apr 19, 2021	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Aug 30, 2019	Correction Deed, Transfer NOT AVAILABLE
Aug 24, 2019	Deed of Trust, Mortgage · FHA Mortgage UNITED FIN'L

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2019
Deed Sale	Aug 30, 2019
Prior Sale	May 21, 2015 · Amount on Record
Deed Document Number	2019804146
Prior Transfer Date	Apr 24, 2019
Prior Transfer Doc	0000804146
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Jun 26, 2026
Property Address	9181 HEADY RD, SUMAS, WA 98295-7903
Document Number	0000002373
Instrument Date	Jun 2, 2026
Instrument	20262373
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SIMPLE TITLE, SIMPLIFILE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9181 HEADY RD, SUMAS, WA 98295-7903

Mortgage

Document Number	0000002373,
Date	Jun 26, 2026
Instrument	20262373

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.37%
Max Rate	-1%

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	9181 HEADY RD, SUMAS, WA 98295-7903
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	CLEAREDGE TITLE, CLEAREDGE TITLE INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9181 HEADY RD, SUMAS, WA 98295-7903

Mortgage

Document Number	0000200298
Date	Feb 6, 2023
Instrument	2023-0200298

Lender

Name	HOMETAP EQUITY SPV LLC
Type	Non-Lending Institution
Address	BOSTON, MA 02199

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Feb 6, 2033

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	9181 HEADY RD, SUMAS, WA 98295-7903
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000403186
Date	Apr 19, 2021
Instrument	2021-0403186

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	342 Months
Due	Oct 1, 2049

August 2019: Correction Deed, Transfer

Document Type	Correction Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 30, 2019
Property Address	9181 HEADY RD, SUMAS, WA 98295-7903
Document Number	2190804146
Instrument Date	Aug 24, 2019
Instrument	804146
Transaction Type	Transfer
Record Updated	Sep 11, 2019
Title Company	NOT AVAILABLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9181 HEADY RD SUMAS WA 982957903, SUMAS, WA 98295-7903

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	9181 HEADY RD, SUMAS, WA 98295-7903
Document Number	2190804147
Instrument Date	Aug 24, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	9181 HEADY RD SUMAS WA 982957903, SUMAS, WA 98295-7903

Mortgage

Document Number	2190804147
Date	Aug 30, 2019
Instrument	804147

Lender

Name	UNITED FIN'L
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 29, 2049

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$5,676.00 (+33.52%)	$737,480 (+20.26%) Land $271,298 Building $466,182	$737,480 (+20.26%) Land $271,298 Building $466,182
2022		$613,236 Land $271,725 Building $341,511	$613,236 Land $271,725 Building $341,511
2021	$4,251.00

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
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	3 in force

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 80% of the US · lower than 84% of Washington
Wildfire Likelihood	0.01% 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, as of December 31, 2025

Cell Coverage

5G and 4G LTE (outdoors only)

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