1101 40th St, Bellingham, WA 98229 Property Records

Whatcom County property record for 1101 40th St, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	5 bd · 4 ba · 3,711 sqft · built 2023
Lot Size	0.534 acres (23,287 sqft)
Owner	Individual Name on File
Last Sale	$1,665,000 (Jul 2023)
Tax Bill	$12,607 (2025)
Deeds & Mortgages	Aug 2026 Line of Credit Nov 2025 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`565245`

Property Details

APN / Parcel Number

Primary APN	`565245`
Alternative APNs	`370305 025163 0000` `489952` `601517` `21589`

Interior

Bedrooms	5 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,711 sqft Living Area
Fireplace	Fireplace

Exterior

Year Built	Built 2023
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Metal
Lot Area	23,287 sqft (0.534 acres)
Garage Type	Built-in
Garage Area	575 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Patio Area	176 sqft

Location & Zoning

Account Number	489952
Street Address	1101 40TH ST
City	BELLINGHAM
State	WA
Zip	98229-3117
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS20.0
Legal Description	MARINE VIEW HEIGHTS LOTS 9-10-11 BLK 1-SUBJ TO COVENANT TO BIND PROPERTIES DESC AF 2018-0202816
Legal Range	03
Legal Township	37
Legal Section	05
Legal Subdivision	MARINE VIEW HEIGHTS
Legal Block	1
Legal Lot Number	9 10
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1029
Census Tract	902

Owner

1101 40th St is owned and occupied by an individual who bought it in July 2023.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 25, 2026	Deed of Trust, Mortgage · Line of Credit TAPCO CREDIT UNION
Nov 14, 2025	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 15, 2022	Deed of Trust, Mortgage · Stand-Alone First Mortgage DAVID ROSE LLC
Jul 3, 2023	Warranty Deed, Transfer · Conventional Mortgage TOP FLITE FINANCIAL INC
Oct 1, 2019	Warranty Deed, Construction Loan · Construction Mortgage GAIL MCLEOD

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Prior Sale	Oct 1, 2019 · Amount on File
Deed Document Number	2023-0700052
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Aug 25, 2026
Property Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Document Number	0000001938
Instrument Date	Aug 20, 2026
Instrument	20261938
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	CSC DOCUMENT RECORDING

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 40TH ST, BELLINGHAM, WA 98229-3117

Mortgage

Document Number	0000001938,
Date	Aug 25, 2026
Instrument	20261938

Lender

Name	TAPCO CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Transaction Type	Mortgage
Record Updated	Nov 26, 2025
Title Company	TICOR TITLE INSURANCE COMPANY, TICOR TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 40TH ST, BELLINGHAM, WA 98229-3117

Mortgage

Document Number	0001101100
Date	Nov 14, 2025
Instrument	2025-1101100

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2055

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Transaction Type	Mortgage
Record Updated	May 14, 2024
Title Company	CTC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000201723
Date	Feb 15, 2022
Instrument	2022-0201723

Lender

Name	DAVID ROSE LLC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 3, 2023
Property Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Document Number	0000700052
Map Reference	VOL 8 PG 13
Instrument Date	Jun 26, 2023
Instrument	2023-0700052
Transaction Type	Transfer
Record Updated	Jul 17, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$30,755.00
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	1101 40TH ST, BELLINGHAM, WA 98229-3117

Mortgage

Document Number	0000700053
Date	Jul 3, 2023
Instrument	2023-0700053

Lender

Name	TOP FLITE FINANCIAL INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2053

October 2019: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 1, 2019
Property Address	1101 40TH ST, BELLINGHAM, WA 98229-3117
Document Number	2191000089
Instrument Date	Sep 30, 2019
Instrument	1000089
Transaction Type	Construction Loan
Record Updated	Oct 10, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,874.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	112 OHIO ST #103 BELLINGHAM WA 982254544, 103, BELLINGHAM, WA 98225-4544

Mortgage

Document Number	2191000090
Date	Oct 1, 2019
Instrument	1000090

Lender

Name	GAIL MCLEOD
Address	903 CHUCKANUT SHORE RD, BELLINGHAM, WA 98229-8925

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Sep 30, 2020

Tax Assessment & Valuation

The 2025 property tax bill for 1101 40th St was $12,607, up 9.2% from the year before.

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	$12,607.00 (+9.16%)	$1,541,554 (+9.16%) Land $382,800 Building $1,158,754	$1,541,554 (+9.16%) Land $382,800 Building $1,158,754
2024	$11,549.00	$1,412,171 Land $183,729 Building $1,228,442	$1,412,171 Land $183,729 Building $1,228,442
2022		$123,585 Land $123,585	$123,585 Land $123,585

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1101 40th St in Zone X, an area of minimal flood risk.

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	3 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

Wildfire risk around 1101 40th St 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.

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 237 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

May also be available: T-Mobile.

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