1115 40th St, Bellingham, WA 98229 Property Records

Whatcom County property record for 1115 40th St, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,880 sqft · built 2018
Lot Size	0.373 acres (16,274 sqft)
Owner	2 Individual Names on Record
Last Sale	$80,280 (Aug 2011)
Tax Bill	$9,168 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`522504`

Property Details

APN / Parcel Number

Primary APN	`522504`
Alternative APNs	`370305 012125 0000` `21566`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,880 sqft Living Area
1st Floor Area	1,470 sqft
2nd Floor Area	1,410 sqft
Basement Area	707 sqft
Finished Basement	707 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	16,274 sqft (0.373 acres)
Garage Type	Built-in
Garage Area	877 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Patio Area	490 sqft
Balcony	Balcony
Balcony Area	490 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	522504
Street Address	1115 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 1-2-S 10.6 FT OF LOT 3 BLK 1
Legal Range	03
Legal Township	37
Legal Section	05
Legal Subdivision	MARINE VIEW HEIGHTS
Legal Block	1
Legal Lot Number	1 2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1029
Census Tract	902

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	1115 40TH ST, BELLINGHAM, WA 98229-3117
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage BETTER MORTGAGE CORPORATION
Jul 10, 2019	Deed of Trust, Mortgage SUNTRUST BK
Nov 2, 2018	Deed of Trust, Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2011 · Amount on Record
Deed Sale	Aug 1, 2011 · Amount on Record
Prior Sale	Aug 1, 2011 · Amount on Record
Deed Document Number	2110800115
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1115 40TH ST, BELLINGHAM, WA 98229-3117
Transaction Type	Mortgage
Record Updated	Oct 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000204322
Date	Feb 23, 2021
Instrument	2021-0204322

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10271

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2051

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1115 40TH ST, BELLINGHAM, WA 98229-3117
Document Number	2190701439
Instrument Date	Jul 10, 2019
Transaction Type	Mortgage
Record Updated	Jul 24, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1115 40TH ST BELLINGHAM WA 982293117, BELLINGHAM, WA 98229-3117

Mortgage

Document Number	2190701439
Date	Jul 15, 2019
Instrument	701439

Lender

Name	SUNTRUST BK
Type	Bank
Address	RICHMOND, VA 23224

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 14, 2049

November 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1115 40TH ST, BELLINGHAM, WA 98229-3117
Document Number	2181100984
Instrument Date	Nov 2, 2018
Transaction Type	Mortgage
Record Updated	Nov 22, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1115 40TH ST BELLINGHAM WA 982293117, BELLINGHAM, WA 98229-3117

Mortgage

Document Number	2181100984
Date	Nov 13, 2018
Instrument	1100984

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Nov 12, 2048

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	$9,168.00 (+184.63%)	$1,121,027 (+21.12%) Land $333,355 Building $787,672	$1,121,027 (+21.12%) Land $333,355 Building $787,672
2022		$925,554 Land $297,840 Building $627,714	$925,554 Land $297,840 Building $627,714
2021	$3,221.00

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	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

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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