Whatcom County property record for 1178 E Laurel Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,960 sqft · built 2022 |
| Lot Size | 3.01 acres (131,116 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $999,000 (Sep 2023) |
| Tax Bill | $10,130 (2026) |
| Deeds & Mortgages | Sep 2023 Sale & Mortgage Dec 2021 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 390321-350385-0000 |
| Primary APN | 390321-350385-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,960 sqft Living Area |
| 1st Floor Area | 2,960 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2022 |
|---|---|
| Effective Year Built | Effective 2022 |
| Exterior Material | Stucco |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 131,116 sqft (3.01 acres) |
| Garage Type | Attached |
| Garage Area | 924 sqft |
| Parking Spaces | 4 Parking Spaces |
| Heating System | Heat Pump |
|---|
| Account Number | 103622 |
|---|---|
| Street Address | 1178 E LAUREL RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9777 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | LOT 3 SEMPRE CLUSTER SHORT PLAT AS REC AF 2090704520-SUBJ TO CONSERVATION ESMT REC AF 2090704521 |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 21 |
| Legal Subdivision | SEMPRE CLUSTER SHORT PLAT |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2004 |
| Census Tract | 10701 |
1178 E Laurel Rd is owned and occupied by two individuals who bought it in September 2023.
Source: Whatcom County records, as of October 16, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| 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 |
|---|---|
| Sep 26, 2023 | Warranty Deed, Transfer · Conventional Mortgage MORGAN STANLEY PRIVATE BANK NA |
| Dec 7, 2021 | Quit Claim Deed, Subdivision Related Transfer Quitclaim |
| Aug 31, 2021 | Warranty Deed, Transfer CHICAGO TITLE BELLINGHAM |
| Apr 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 26, 2023 · Amount on File |
| Deed Sale | Sep 26, 2023 · Amount on File |
| Prior Sale | Dec 7, 2021 · Amount on File |
| Deed Document Number | 20231967 |
| Prior Transfer Date | Dec 6, 2021 |
| Prior Transfer Doc | 0000000965 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Sep 26, 2023 |
| Property Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0000901967 |
| Map Reference | AF 2090704520 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 2023-0901967 |
| Transaction Type | Transfer |
| Record Updated | Oct 6, 2023 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $16,842.20 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0000901968 |
|---|---|
| Date | Sep 26, 2023 |
| Instrument | 2023-0901968 |
| Name | MORGAN STANLEY PRIVATE BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2053 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Dec 7, 2021 |
| Property Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0001200965 |
| Map Reference | AF 2090704520 |
| Instrument Date | Oct 6, 2021 |
| Instrument | 2021-1200965 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | May 14, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 732 NORTHSHORE DR, BELLINGHAM, WA 98226-4413 |
| Name | Verified Name |
|---|---|
| Address | 732 NORTHSHORE DR, BELLINGHAM, WA 98226-4413 |
| Investor | Possibly a Property Investor |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Aug 31, 2021 |
| Property Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0000804875 |
| Map Reference | AF 2090704520 |
| Instrument Date | Aug 30, 2021 |
| Instrument | 2021-0804875 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Amount | Amount on Record |
|---|---|
| Tax | $2,805.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 732 NORTHSHORE DR, BELLINGHAM, WA 98226-4413 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 30, 2021 |
| Property Address | 1178 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0000405695 |
| Map Reference | AF 2090704520 |
| Instrument Date | Apr 29, 2021 |
| Instrument | 2021-0405695 |
| Transaction Type | Transfer |
| Record Updated | May 14, 2024 |
| Title Company | CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $8,994.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Family Revocable Trust |
| Address | 1174 E LAUREL RD, BELLINGHAM, WA 98226-9777 |
| Document Number | 0000405696 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 2021-0405696 |
| Name | CALIBER HOME LOANS INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
The 2026 property tax bill for 1178 E Laurel Rd was $10,130, up 3.3% from the year before.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Meridian School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,130.00 (+3.29%) | ||
| 2025 | $9,807.00 (-9.55%) | $1,137,388 (-8.07%) Land $270,529 Building $866,859 | $1,137,388 (-8.07%) Land $270,529 Building $866,859 |
| 2024 | $10,843.00 | $1,237,188 Land $355,308 Building $881,880 | $1,237,188 Land $355,308 Building $881,880 |
| 2022 | $267,627 Land $267,627 | $267,627 Land $267,627 | |
| 2021 | $22.00 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1178 E Laurel Rd 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 1178 E Laurel Rd 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 | HEMMI ROAD WATER ASSOCIATION private · serves 236 people · EPA ID WA5332350 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2024 |
| Lead | 3 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. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Astound Broadband Cable | 1,500 / 50 |
| Starlink Satellite | 280 / 30 |
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