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1012 Key St, Bellingham, WA 98225 Property Records

Whatcom County property record for 1012 Key St, Bellingham, WA 98225

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,817 sqft · built 2020
Lot Size0.169 acres (7,405 sqft)
Owner2 Company Names on Record
Last Sale$1,250,000 (May 2025)
Tax Bill$6,580 (2025)
Deeds & MortgagesApr 2021 Mortgage
Jan 2020 Line of Credit
Flood ZoneZone X (minimal risk)
APN534422

Property Details

APN / Parcel Number

Primary APN534422
Alternative APNs
  • 380331 322397 0000
  • 77423

Interior

Bedrooms3 Beds
Full Baths2 Baths
Plumbing Fixtures8 Plumbing Fixtures
Stories1 Story
Building Area1,817 sqft Living Area
1st Floor Area1,817 sqft
Basement Area2,296 sqft
Finished Basement728 sqft
Unfinished Basement1,568 sqft
FlooringCarpet
Interior WallsFinished/Painted
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2020
Architectural StyleOther
Exterior MaterialCombination
Roof MaterialComposition Shingle
Lot Area7,405 sqft (0.169 acres)
Garage TypeDetached
Garage Area529 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area60 sqft
Deck Area90 sqft
Patio Area224 sqft

Utilities, Heating & Cooling

Heating SystemForced Air

Location & Zoning

Account Number534422
Street Address1012 KEY ST
CityBELLINGHAM
StateWA
Zip98225-5617
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeRS6.8
Legal DescriptionLOT A MONSON & BACH LLA AS REC AF 2031105974
Legal Range03
Legal Township38
Legal Section31
Legal SubdivisionMONSON & BACH LLA
Legal Block18
Legal Lot NumberA
JurisdictionWHATCOM WA
Township / Civil DivisionBELLINGHAM
Census Block Group1
Census Block1010
Census Tract1000

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic DistrictWithin the Sehome Hill Historic District
listed 2001 · 153 contributing resources · NRIS 01000063

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

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 Record2 Company Names on Record
Co-ownerCo-owner on Record
Mailing Address7405 ALPINE RD, CA
Owner TypeCompany, Secondary Individual
VestingTrust

Deeds, Mortgages & Sale History

DateDocument
Apr 9, 2021Deed of Trust, Mortgage · Conventional Mortgage
WHATCOM EDUCATIONAL CU
Jan 10, 2020Deed of Trust, Mortgage · Line of Credit
WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names3 Names on Deed
Last SaleMay 12, 2025 · Amount on Record
Deed SaleMay 12, 2025 · Amount on Record
Prior SaleSep 2, 2016 · Amount on Record
Deed Document Number2025-0500906
Record UpdatedJun 8, 2026

April 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address1012 KEY ST, BELLINGHAM, WA 98225-5617
Transaction TypeMortgage
Record UpdatedNov 1, 2023
Title CompanyCHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000401600
DateApr 9, 2021
Instrument2021-0401600
Lender
NameWHATCOM EDUCATIONAL CU
TypeCredit Union
AddressBELLINGHAM, WA 98227
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueMay 1, 2036

January 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWHATCOM WA
Property Address1012 KEY ST, BELLINGHAM, WA 98225-5617
Document Number2200101705
Instrument DateJan 10, 2020
Transaction TypeMortgage
Record UpdatedJan 29, 2020
Title CompanyWHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address1012 KEY ST BELLINGHAM WA 982255617, BELLINGHAM, WA 98225-5617

Mortgage

Document Number2200101705
DateJan 15, 2020
Instrument101705
Lender
NameWHATCOM EDUCATIONAL CU
TypeCredit Union
AddressBELLINGHAM, WA 98227-9750
Agreement
TypeLine of Credit
AmountAmount Recorded
Term240 Months
DueJan 14, 2040
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

TypeName
StateWashington
MunicipalityBellingham City
CountyWhatcom County
Unified School DistrictBellingham School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$6,580.00 (+38.99%)$804,631 (+20.98%) Land $286,720 Building $517,911$804,631 (+20.98%) Land $286,720 Building $517,911
2022$665,084 Land $241,920 Building $423,164$665,084 Land $241,920 Building $423,164
2021$4,734.00

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

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskNot rated
no burnable land within 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 SystemCITY OF BELLINGHAM-WATER DIVISION
serves 141,127 people · EPA ID WA5305600
Water SourceSurface water
Last State InspectionSep 2024
Lead3 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 410 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
CenturyLink
Fiber		8,000 / 8,000
Xfinity
Cable		2,000 / 250
Verizon
Fixed Wireless		300 / 20

May also be available: Astound Broadband.

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