1028 13th St, Bellingham, WA 98225 Property Records

Whatcom County property record for 1028 13th St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	5 bd · 5 ba · 3,256 sqft · built 2010
Lot Size	0.137 acres (6,007 sqft)
Owner	2 Individual Names on Record
Tax Bill	$13,581 (2025)
Deeds & Mortgages	Sep 2020 Mortgage Nov 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`44001`

Property Details

APN / Parcel Number

Primary APN	`44001`
Alternative APNs	`370201 159190 0000` `16071`

Interior

Bedrooms	5 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,256 sqft Living Area
1st Floor Area	1,434 sqft
2nd Floor Area	1,822 sqft
Basement Area	1,655 sqft
Finished Basement	1,655 sqft
Interior Walls	Finished/Painted
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	6,007 sqft (0.137 acres)
Garage Type	Built-in
Garage Area	388 sqft
Parking Spaces	1 Parking Space

Exterior Amenities

Porch	Porch
Porch Area	90 sqft
Patio Area	484 sqft
Balcony	Balcony
Balcony Area	740 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	44001
Street Address	1028 13TH ST
City	BELLINGHAM
State	WA
Zip	98225-6636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS7.2
Legal Description	LOT B J FRIESEN LLA AS REC AF 2080403990
Legal Range	02
Legal Township	37
Legal Section	01
Legal Subdivision	J FRIESEN LLA
Legal Lot Number	B J
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2024
Census Tract	1101

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 Record	2 Individual Names on Record
Mailing Address	1028 13TH ST, BELLINGHAM, WA 98225-6636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2020	Deed of Trust, Mortgage US BK
Nov 21, 2017	Deed of Trust, Mortgage UMPQUA BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Jun 8, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1028 13TH ST, BELLINGHAM, WA 98225-6636
Document Number	2200904301
Instrument Date	Sep 21, 2020
Transaction Type	Mortgage
Record Updated	Oct 5, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1028 13TH ST BELLINGHAM WA 982256636, BELLINGHAM, WA 98225-6636

Mortgage

Document Number	2200904301
Date	Sep 25, 2020
Instrument	904301

Lender

Name	US BK
Type	Bank
Address	4801 FREDERICA ST, OWENSBORO, KY 42301-7441

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2050

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1028 13TH ST, BELLINGHAM, WA 98225-6636
Document Number	2171103054
Instrument Date	Nov 21, 2017
Transaction Type	Mortgage
Record Updated	Dec 12, 2017
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1028 13TH ST BELLINGHAM WA 982256636, BELLINGHAM, WA 98225-6636

Mortgage

Document Number	2171103054
Date	Nov 28, 2017
Instrument	1103054

Lender

Name	UMPQUA BK
Type	Bank
Address	TIGARD, OR 97224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 27, 2047

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 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	$13,581.00 (+20.05%)	$1,660,622 (+4.98%) Land $604,500 Building $1,056,122	$1,660,622 (+4.98%) Land $604,500 Building $1,056,122
2022		$1,581,809 Land $610,572 Building $971,237	$1,581,809 Land $610,572 Building $971,237
2021	$11,313.00

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	1 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.

Wildfire

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	None beyond 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 404 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband, CenturyLink.

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