Whatcom County property record for 10 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,330 sqft · built 1975 |
| Owner | Individual Name on File |
| Last Sale | $317,000 (Jul 2019) |
| Tax Bill | $4,571 (2025) |
| Deeds & Mortgages | Jan 2022 Mortgage Jul 2019 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 563319 |
| Primary APN | 563319 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,330 sqft Living Area |
| 1st Floor Area | 1,330 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1975 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Garage Type | Built-in |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 557 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 563319 |
|---|---|
| Street Address | 10 RIVER RIDGE LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 29 LOT 45 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | SUDDEN VALLEY DIV 29 |
| Legal Lot Number | 45 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2012 |
| Census Tract | 809 |
Source: Whatcom County records · APN 563319
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 |
|---|---|
| Mailing Address | 10 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BANK |
| Jul 30, 2019 | Warranty Deed, Transfer CALIBER HM LOANS |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 30, 2019 · Amount on Record |
| Deed Sale | Jul 30, 2019 · Amount on Record |
| Prior Sale | Feb 17, 2006 · Amount on Record |
| Deed Document Number | 2019-0703492 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 10 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 01, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000100929 |
|---|---|
| Date | Jan 10, 2022 |
| Instrument | 2022-0100929 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | PORTLAND, OR 97224 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 30, 2019 |
| Property Address | 10 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2190703492 |
| Instrument Date | Jul 19, 2019 |
| Instrument | 703492 |
| Transaction Type | Transfer |
| Record Updated | Aug 07, 2019 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,647.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 10 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2190703493 |
|---|---|
| Date | Jul 30, 2019 |
| Instrument | 703493 |
| Name | CALIBER HM LOANS |
|---|---|
| Type | Funding / Finance Company |
| Address | COPPELL, TX 75019 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Jul 29, 2049 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
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 | $4,571.00 (+37.06%) | $511,007 (+17.02%) Land $136,944 Building $374,063 | $511,007 (+17.02%) Land $136,944 Building $374,063 |
| 2022 | $436,675 Land $117,024 Building $319,651 | $436,675 Land $117,024 Building $319,651 | |
| 2021 | $3,335.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · sampled at 194 locations within half a mile · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Source: EPA Safe Drinking Water Information System via ECHO, 2026 Q3 · EPA community water system boundaries v3.0, March 2026 · Last verified October 2026
| Water System | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 4 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None 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. The full violation and enforcement history is in the system's EPA record.
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