Whatcom County property record for 1015 40th St, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 4,482 sqft · built 1996 |
| Lot Size | 0.922 acres (40,171 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $13,458 (2025) |
| Deeds & Mortgages | Jul 2022 Mortgage Sep 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 591942 |
| Primary APN | 591942 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 4,482 sqft Living Area |
| 1st Floor Area | 4,482 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 40,171 sqft (0.922 acres) |
| Garage Type | Built-in |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Covered Porch |
| Porch Area | 418 sqft |
| Heating System | Heat Pump |
|---|
| Account Number | 555468 |
|---|---|
| Street Address | 1015 40TH ST |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-3119 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS20.0 |
| Legal Description | WILDWOOD HILLS DIV NO 2 LOTS 10-11-SUBJ TO COVENANT TO BIND PROPERTIES AF 950929127 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 05 |
| Legal Subdivision | WILDWOOD HILLS DIV NO 2 |
| Legal Lot Number | 10 11 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 902 |
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 |
|---|---|
| Mailing Address | 1015 40TH ST, BELLINGHAM, WA 98229-3119 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 29, 2022 | Deed of Trust, Mortgage · Conventional Mortgage UNITE MORTGAGE |
| Sep 28, 2018 | Warranty Deed, Transfer MIDWEST EQUITY MTG |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 25, 2022 |
| Deed Sale | Apr 25, 2022 |
| Deed Document Number | 19-3-00757-37 |
| Prior Transfer Date | Sep 28, 2018 |
| Prior Transfer Doc | 2018-0902646 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 1015 40TH ST, BELLINGHAM, WA 98229-3119 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|
| Document Number | 0000702824 |
|---|---|
| Date | Jul 29, 2022 |
| Instrument | 2022-0702824 |
| Name | UNITE MORTGAGE |
|---|---|
| Address | SANTA ANA, CA 92707 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 28, 2018 |
| Property Address | 1015 40TH ST, BELLINGHAM, WA 98229-3119 |
| Document Number | 2180902646 |
| Instrument Date | Sep 24, 2018 |
| Instrument | 902646 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2018 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,826.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 1015 40TH ST BELLINGHAM WA 982293119, BELLINGHAM, WA 98229-3119 |
| Document Number | 2180902647 |
|---|---|
| Date | Sep 28, 2018 |
| Instrument | 902647 |
| Name | MIDWEST EQUITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | OAK BROOK, IL 60523 |
| Amount | Amount Recorded |
|---|---|
| Term | 360 Months |
| Due | Sep 27, 2048 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| Municipality | Bellingham City |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $13,458.00 (+40.22%) | $1,645,635 (+19.37%) Land $330,600 Building $1,315,035 | $1,645,635 (+19.37%) Land $330,600 Building $1,315,035 |
| 2022 | $1,378,639 Land $446,760 Building $931,879 | $1,378,639 Land $446,760 Building $931,879 | |
| 2021 | $9,598.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | CITY OF BELLINGHAM-WATER DIVISION serves 141,127 people · EPA ID WA5305600 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Sep 2024 |
| Lead | 3 ppb (2021–2023) 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, 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.
Source: FCC Broadband Data Collection, based on 39 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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