1305 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1305 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,525 sqft · built 1935
Lot Size	4.92 acres (214,315 sqft)
Owner	2 Individual Names on File
Last Sale	$989,000 (Feb 2025)
Tax Bill	$6,896 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Apr 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390334-018499-0000`

Property Details

APN / Parcel Number

Primary APN	`390334-018499-0000`
Alternative APNs	`105449` `560743` `112330`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,525 sqft Living Area
Gross Area	3,227 sqft
1st Floor Area	1,669 sqft
Basement Area	702 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1935
Effective Year Built	Effective 2000
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	214,315 sqft (4.92 acres)
Garage Type	Detached
Garage Area	912 sqft
Parking Spaces	1 Parking Space
Deck Area	328 sqft
Storage Building	912 sqft
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	105449
Street Address	1305 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9715
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 1 BELL SHORT PLAT AS REC BOOK 2 SHORT PLATS PG 185-EXC PTN TO WHATCOM CO FOR RD DESC AF 1970702836
Legal Range	03
Legal Township	39
Legal Section	34
Legal Subdivision	BELL SHORT PLAT
Legal Block	2
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2005
Census Tract	101

Owner

Source: Whatcom County assessment roll, as of December 30, 2025

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 File
Mailing Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 27, 2026	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BANK
Apr 14, 2020	Deed of Trust, Mortgage · VA Mortgage USAA
May 8, 2019	Warranty Deed, Transfer · VA Mortgage USAA
Oct 11, 2017	Deed of Trust, Mortgage · Conventional Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Feb 28, 2025 · Amount on Record
Deed Sale	Feb 28, 2025 · Amount on Record
Prior Sale	May 8, 2019 · Amount on Record
Deed Document Number	20251863
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715
Transaction Type	Mortgage
Record Updated	Apr 7, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715

Mortgage

Document Number	0000302208
Date	Mar 27, 2026
Instrument	2026-0302208

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715
Document Number	2200402151
Instrument Date	Apr 14, 2020
Transaction Type	Mortgage
Record Updated	May 8, 2020
Title Company	CHICAGO TITLE BELLINGHAM

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1305 E SMITH RD BELLINGHAM WA 982269715, BELLINGHAM, WA 98226-9715

Mortgage

Document Number	2200402151
Date	Apr 20, 2020
Instrument	402151

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 19, 2050

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	May 8, 2019
Property Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715
Document Number	2190500826
Instrument Date	May 1, 2019
Instrument	500826
Transaction Type	Transfer
Record Updated	May 17, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$11,130.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1305 E SMITH RD BELLINGHAM WA 982269715, BELLINGHAM, WA 98226-9715

Mortgage

Document Number	2190500827
Date	May 8, 2019
Instrument	500827

Lender

Name	USAA
Address	SAN ANTONIO, TX 78288-0544

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 7, 2049

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1305 E SMITH RD, BELLINGHAM, WA 98226-9715
Document Number	2171001641
Instrument Date	Oct 11, 2017
Transaction Type	Mortgage
Record Updated	Aug 27, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1305 E SMITH RD BELLINGHAM WA 982269715, BELLINGHAM, WA 98226-9715

Mortgage

Document Number	2171001641
Date	Oct 16, 2017
Instrument	1001641

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 15, 2047

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,896.00 (+28.39%)	$835,590 (+7.67%) Land $281,355 Building $554,235	$835,590 (+7.67%) Land $281,355 Building $554,235
2022		$776,085 Land $355,784 Building $420,301	$776,085 Land $355,784 Building $420,301
2021	$5,371.00

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
Community Rating System	Class 6 (20% premium discount)
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	Direct burnable vegetation at the parcel

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	DEER CREEK WATER ASSOC. private · serves 2,000 people · EPA ID WA5318418
Water Source	Groundwater
Last State Inspection	Feb 2023
Lead	4 ppb (2022–2024) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 35 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Radiate Holdings, Xfinity.

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