1015 Railroad Ave, Unit 418, Bellingham, WA 98225 Property Records

Whatcom County property record for 1015 Railroad Ave, Unit 418, Bellingham, WA 98225

Property Summary

Property Type	Condominium
Details	2 bd · 2 ba · 975 sqft · built 2005
Lot Size	1.21 acres (53,064 sqft)
Owner	Individual Name on Record
Last Sale	$579,000 (Feb 2026)
Tax Bill	$4,556 (2025)
Deeds & Mortgages	Jun 2021 Mortgage Feb 2026 Transfer + 6 more
Flood Zone	Zone X (minimal risk)
APN	`380330-095011-0063`

Property Details

APN / Parcel Number

Primary APN	`380330-095011-0063`
Alternative APNs	`600807` `579194` `74542`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Units	190 Units
Building Area	975 sqft Living Area
1st Floor Area	975 sqft

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Condo/Apartment
Lot Area	53,064 sqft (1.21 acres)

Location & Zoning

Account Number	74542
Street Address	1015 RAILROAD AVE, 418
City	BELLINGHAM
State	WA
Zip	98225-0600
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Condominium
Local Zoning Code	CCM
Legal Description	MORSE SQUARE CONDOMINIUM UNIT 418-TOG WI UNDIV INT IN COMMON AREAS DESC AF 2060100443
Legal Range	03
Legal Township	38
Legal Section	30
Legal Subdivision	MORSE SQUARE CONDOMINIUM
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1042
Census Tract	600

Owner

Source: Whatcom County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1015 RAILROAD AVE, 418, BELLINGHAM, WA 98225-0600
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK NA
Feb 18, 2026	Intrafamily Transfer, Transfer E-CHICAGO TITLE, CHICAGO TITLE
Feb 18, 2026	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 2, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Apr 14, 2022	Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Dec 14, 2019	Deed of Trust, Mortgage · Conventional with PMI JP MORGAN CHASE BK
Sep 21, 2018	Warranty Deed, Transfer · Conventional with PMI FAIRWAY INDEPENDENT MTG
Oct 5, 2017	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 18, 2026 · Amount on Record
Deed Sale	Feb 18, 2026 · Amount on Record
Prior Sale	Jun 2, 2023 · Amount on Record
Deed Document Number	2026021481
Prior Transfer Date	Feb 13, 2026
Prior Transfer Doc	0000001482
Record Updated	Oct 29, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Transaction Type	Mortgage
Record Updated	Mar 6, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000604371
Date	Jun 25, 2021
Instrument	2021-0604371

Lender

Name	JPMORGAN CHASE BANK NA
Type	Bank
Address	COLUMBUS, OH 43240

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	357 Months
Due	Mar 1, 2051

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Feb 18, 2026
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	0000201482
Map Reference	AF 2060100443
Instrument Date	Feb 13, 2026
Instrument	2026-0201482
Transaction Type	Transfer
Record Updated	Feb 27, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Feb 18, 2026
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	0000201481
Map Reference	AF 2060100443
Instrument Date	Feb 11, 2026
Instrument	2026-0201481
Transaction Type	Transfer
Record Updated	Mar 6, 2026
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE CO OF WA

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,366.20
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600

Mortgage

Document Number	0000201483
Date	Feb 18, 2026
Instrument	2026-0201483

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 2, 2023
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	0000600195
Map Reference	DOC 2060100442
Instrument Date	Jun 1, 2023
Instrument	2023-0600195
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$8,850.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600

April 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Apr 14, 2022
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	0000401531
Map Reference	AF 2060100443
Instrument Date	Apr 4, 2022
Instrument	2022-0401531
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3020 HUNTINGTON ST, BELLINGHAM, WA 98226-8688

Mortgage

Document Number	0000401532
Date	Apr 14, 2022
Instrument	2022-0401532

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	2191202693
Instrument Date	Dec 14, 2019
Transaction Type	Mortgage
Record Updated	Jan 6, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1015 RAILROAD AVE #418 BELLINGHAM WA 982250600, 418, BELLINGHAM, WA 98225-0600

Mortgage

Document Number	2191202693
Date	Dec 19, 2019
Instrument	1202693

Lender

Name	JP MORGAN CHASE BK
Type	Bank
Address	COLUMBUS, OH 43240-2050

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Dec 18, 2049

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Sep 21, 2018
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	2180901973
Instrument Date	Sep 11, 2018
Instrument	901973
Transaction Type	Transfer
Record Updated	Oct 2, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,021.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1015 RAILROAD AVE #418 BELLINGHAM WA 982250600, 418, BELLINGHAM, WA 98225-0600

Mortgage

Document Number	2180901974
Date	Sep 21, 2018
Instrument	901974

Lender

Name	FAIRWAY INDEPENDENT MTG
Type	Mortgage Company
Address	CARROLLTON, TX 75007

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 20, 2048

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1015 RAILROAD AVE UNIT 418, 418, BELLINGHAM, WA 98225-0600
Document Number	2171001161
Instrument Date	Oct 5, 2017
Transaction Type	Mortgage
Record Updated	Nov 1, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1015 RAILROAD AVE #418 BELLINGHAM WA 982250600, 418, BELLINGHAM, WA 98225-0600

Mortgage

Document Number	2171001161
Date	Oct 11, 2017
Instrument	1001161

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 10, 2032

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,556.00 (+25.13%)	$550,930 (+19.79%) Land $52,115 Building $498,815	$550,930 (+19.79%) Land $52,115 Building $498,815
2022		$459,910 Land $43,505 Building $416,405	$459,910 Land $43,505 Building $416,405
2021	$3,641.00

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
Nearby Flood Policies	2 in force
Nearby Flood Claims	2 (2021)
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 2 claims

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	Not 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 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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 40 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

May also be available: CenturyLink, Verizon.

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