Whatcom County property record for 11 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 2,441 sqft · built 2003 |
| Lot Size | 0.302 acres (13,147 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $611,910 (Aug 2026) |
| Tax Bill | $5,466 (2025) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jun 2026 Line of Credit + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 370301-390222-0000 |
| Primary APN | 370301-390222-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 2,441 sqft Living Area |
| Gross Area | 3,113 sqft |
| 1st Floor Area | 811 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Bi-Level |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 13,147 sqft (0.302 acres) |
| Garage Type | Attached |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 70 sqft |
| Deck Area | 382 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 20829 |
|---|---|
| Street Address | 11 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 | LOTS 38/39 SUDDEN VALLEY DIV 29 LOT CONSOLIDATION SHORT PLAT AS REC BOOK 25 SHORT PLATS PG 55 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | LC SUDDEN VALLEY 29 L 38/39 |
| Legal Block | 2 |
| Legal Lot Number | 38 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 809 |
11 River Ridge Loop is owned and occupied by two individuals who bought it in August 2026.
Source: Whatcom County records, as of September 22, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 11 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Married Couple |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage KIND LENDING LLC |
| Jun 8, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMIERCA NA |
| Apr 2, 2026 | Transfer on Death Deed, Transfer SIMPLIFILE |
| Jul 30, 2020 | Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2026 · Amount on File |
| Deed Sale | Aug 19, 2026 · Amount on File |
| Prior Sale | Jul 30, 2020 · Amount on File |
| Deed Document Number | 20261438 |
| Prior Transfer Date | Nov 4, 2002 |
| Prior Transfer Doc | 0001101190 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 19, 2026 |
| Property Address | 11 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 0000001438 |
| Instrument Date | Aug 13, 2026 |
| Instrument | 20261438 |
| Transaction Type | Transfer |
| Record Updated | Sep 1, 2026 |
| Title Company | CHICAGO TITLE W, CHICAGO TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,100,597.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Number | 0000001439, |
|---|---|
| Date | Aug 19, 2026 |
| Instrument | 2026081439 |
| Name | KIND LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jun 8, 2026 |
| Property Address | 11 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 0000000624 |
| Instrument Date | May 29, 2026 |
| Instrument | 2026624 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | WFG LENDER SERVICES |
| Name | Verified Name |
|---|
| Document Number | 0000000624, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 2026624 |
| Name | BANK OF AMIERCA NA |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 29, 2056 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 2, 2026 |
| Property Address | 11 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 0000000202 |
| Instrument Date | Apr 2, 2026 |
| Instrument | 2026202 |
| Transaction Type | Transfer |
| Record Updated | Aug 27, 2026 |
| Title Company | SIMPLIFILE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Jul 30, 2020 |
| Property Address | 11 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200704921 |
| Instrument Date | Jul 17, 2020 |
| Instrument | 704921 |
| Transaction Type | Transfer |
| Record Updated | Aug 24, 2020 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount on Record |
|---|---|
| Tax | $6,885.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 11 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
The 2025 property tax bill for 11 River Ridge Loop was $5,466.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,466.00 | $600,260 Land $171,180 Building $429,080 | $600,260 Land $171,180 Building $429,080 |
| 2022 | $597,504 Land $146,280 Building $451,224 | $597,504 Land $146,280 Building $451,224 | |
| 2021 | $4,509.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 11 River Ridge Loop in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective May 26, 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 11 River Ridge Loop is low, with a 0.01% annual chance of 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 | 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 | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910 |
|---|---|
| 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, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
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