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Single Family ResidenceResidential
$695,894$425 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 86How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

402 W BLUFF RD

POINT ROBERTS, WA 98281
4
Beds
2
Baths
1,638 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.22 ac
Lot SizeThe size of the land the home sits on, from county records.
1999
Year BuiltThe year the home was originally built, according to county records.
2
StoriesHow many floors the home has above ground.

Valuation

$696K
$598K low$794K high
Est. Owner EquityRoughly how much of the home's value the owner would keep after paying off known loans. It is our estimate minus the loans still owed.$615,894
Est. Lendable EquityThe part of the owner's equity a lender would typically let them borrow against — about 80% of their equity.$492,715
Loan-to-ValueHow much is still owed on the home compared to what it is worth. 80% means loans equal 80% of our estimate, so it shifts when the estimate does.11%
1st MortgageA loan still believed to be open on this home, in the order lenders get repaid. The first position is paid back before the second.$80,000
SEANN & LOREA L CALDWELL · recorded May 16, 2005

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,594 (2024)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$469,299 (2024)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$213,525
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$255,774
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$469,299

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.4
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
1
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
1
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
1
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
17
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Split Level
CountyWhatcom
Lot (acres)The size of the land the home sits on, from county records.0.22
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Concrete
RoofThe main material covering the roof, such as asphalt shingle or tile.Composition Shingle
HeatingThe type of heating system in the home.Baseboard
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Deck · 835 ft²

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Point Roberts Primary School
Elementary · Grades KG–2 · 1.9 mi
M
Blaine Middle SchoolB+
Middle · Grades 6–8 · 15.8 mi
H
Blaine High SchoolB-
High · Grades 9–12 · 15.8 mi

District: Blaine School District

Neighborhood · ZIP 98281These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.197
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.108
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.218

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.25%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.37%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.9.6%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.0%
PopulationHow many people live in this area.385
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.59 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$74,394
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$182,365
Average tempThe average temperature here across a full year.50°F
Annual precipHow much rain and melted snow falls here in a typical year.39 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.43%

Ownership

OccupancyWhether the owner appears to live here or somewhere else. It is inferred from the mailing address on record.Absentee owner
Company ownedWhether the owner is a company or trust rather than a person.No

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

402 W Bluff Rd measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth more than 85% of homes in Point Roberts 98281
  • Costs more per square foot than 72% of homes in Point Roberts 98281
  • Bigger than 79% of homes in Point Roberts 98281
  • Newer than 76% of homes in Point Roberts 98281

What homes are worth in Point Roberts 98281

Each bar is how many homes fall in that price range. The marker is this home.

This home
$119K$1.3M

This home is worth more than 85% of homes in Point Roberts 98281.

How it measures up in Point Roberts 98281

The dot is this home. The mark in the middle is the typical home in Point Roberts 98281.

Estimated value$695,894
CheaperTypical $374,179Pricier

Pricier than 85% of homes nearby

Price per ft²$425
CheaperTypical $343Pricier

Pricier than 72% of homes nearby

Living area1,638 ft²
SmallerTypical 1,056 ft²Bigger

Bigger than 79% of homes nearby

Lot size0.22 ac
SmallerTypical 0.2 acBigger

Bigger than 60% of homes nearby

Year built1999
OlderTypical 1975Newer

Newer than 76% of homes nearby

How 402 W Bluff Rd ranks against every home in each area.
MeasureThis homePoint Roberts 98281Whatcom County
Estimated valuepricier than$695,89485% of homes71% of homes
Price per ft²pricier than$42572% of homes69% of homes
Living areabigger than1,638 ft²79% of homes59% of homes
Lot sizebigger than0.22 ac60% of homes46% of homes
Year builtnewer than199976% of homes69% of homes

About 402 W Bluff Rd

How much is 402 W Bluff Rd, Point Roberts, WA worth?

The TopHap Estimate for 402 W Bluff Rd, Point Roberts, WA is $695,894 as of Jul 14, 2026. The likely range is $598,002 to $793,786. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 402 W Bluff Rd, Point Roberts, WA last sell?

402 W Bluff Rd, Point Roberts, WA last sold on Jun 23, 2021, according to the county's recorded deed.

How big is 402 W Bluff Rd, Point Roberts, WA?

402 W Bluff Rd, Point Roberts, WA has 4 bedrooms, 2 bathrooms, 1,638 square feet of living space and a 0.22-acre lot.

When was 402 W Bluff Rd, Point Roberts, WA built?

402 W Bluff Rd, Point Roberts, WA was built in 1999, making it 27 years old. It is a split level home. The building has 2 stories.

What schools serve 402 W Bluff Rd, Point Roberts, WA?

402 W Bluff Rd, Point Roberts, WA is assigned to Point Roberts Primary School (elementary); Blaine Middle School (middle), rated B+; Blaine High School (high), rated B-. All sit in Blaine School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 402 W Bluff Rd, Point Roberts, WA compare to other homes in Point Roberts 98281?

Among the 2,398 homes in Point Roberts 98281, it is worth more than 85% of them ($695,894 against a typical $374,179), its price per square foot is higher than 72% of them ($425 against a typical $343), it is bigger than 79% of them (1,638 ft² against a typical 1,056 ft²), its lot is bigger than 60% of them (0.22 ac against a typical 0.2 ac) and it is newer than 76% of them (1999 against a typical 1975). Measured against all of Whatcom County, it is worth more than 71% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 402 W Bluff Rd, Point Roberts, WA?

The 2024 property tax bill for 402 W Bluff Rd, Point Roberts, WA was $3,594. The county assessed it at $469,299.

Closest homes

More homes in Point Roberts 98281

Assigned schools

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