1. Home
  2. Washington
  3. Whatcom County
  4. Bellingham
  5. E Smith Rd

1321 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1321 E Smith Rd, Bellingham, WA 98226

Property Summary

Property TypeSeasonal / Vacation Home
Details2 bd · 2 ba · 1,854 sqft · built 1978
Lot Size4.92 acres (214,315 sqft)
Owner2 Individual Names on Record
Last Sale$850,000 (Mar 2026)
Tax Bill$5,870 (2025)
Deeds & MortgagesMar 2026 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN390334-018368-0000

Property Details

APN / Parcel Number

Primary APN390334-018368-0000
Alternative APNs
  • 105446
  • 105611

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories1 Story
Building Area1,854 sqft Living Area
1st Floor Area1,392 sqft
FlooringCarpet
Interior WallsFinished/Painted
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1978
Effective Year BuiltEffective 1986
Architectural StyleRustic
Exterior MaterialWood
Foundation TypeConcrete
Roof MaterialMetal
Lot Area214,315 sqft (4.92 acres)
Garage TypeDetached
Garage Area888 sqft
Parking Spaces4 Parking Spaces

Exterior Amenities

PorchWood Porch
Porch Area64 sqft
Deck Area260 sqft
Total Buildings2 Buildings

Utilities, Heating & Cooling

Heating SystemForced Air with A/C

Location & Zoning

Account Number105446
Street Address1321 E SMITH RD
CityBELLINGHAM
StateWA
Zip98226-9715
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Local Zoning CodeR5A
Legal DescriptionLOT 3 BELL SHORT PLAT AS REC BOOK 2 SHORT PLATS PG 185
Legal Range03
Legal Township39
Legal Section34
Legal SubdivisionBELL SHORT PLAT
Legal Block2
Legal Lot Number3
JurisdictionWHATCOM WA
Township / Civil DivisionBELLINGHAM
Census Block Group2
Census Block2005
Census Tract101

Owner

Source: Whatcom County records, as of March 30, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record2 Individual Names on Record
Mailing Address1321 E SMITH RD, BELLINGHAM, WA 98226-9715
OccupancyOwner Occupied
Owner TypeIndividual
VestingMarried Couple

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 20, 2026 · Amount on Record
Deed SaleMar 20, 2026 · Amount on Record
Deed Document Number2026031658
Record UpdatedOct 29, 2026

March 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWHATCOM WA
Recording DateMar 20, 2026
Property Address1321 E SMITH RD, BELLINGHAM, WA 98226-9715
Document Number0000301658
Map ReferenceAF 1278572
Instrument DateMar 12, 2026
Instrument2026-0301658
Transaction TypeTransfer
Record UpdatedApr 1, 2026
Title CompanyE-CHICAGO TITLE, CHICAGO TITLE

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$14,190.00
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1321 E SMITH RD, BELLINGHAM, WA 98226-9715

Mortgage

Document Number0000301659
DateMar 20, 2026
Instrument2026-0301659
Lender
NameAFFINITY HOME LENDING LLC
TypeMortgage Company
Agreement
TypeVA Mortgage
AmountAmount Recorded
Term361 Months
DueApr 1, 2056

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateWashington
CountyWhatcom County
Unified School DistrictMeridian School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2025$5,870.00 (+23.87%)$648,158 (-4.94%) Land $281,284 Building $366,874$648,158 (-4.94%) Land $281,284 Building $366,874
2022$681,851 Land $337,358 Building $344,493$681,851 Land $337,358 Building $344,493
2021$4,739.00

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Community Rating SystemClass 6 (20% premium discount)
Nearby Flood Policies1 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 RiskLow
lower than 80% of the US · lower than 84% of Washington
Wildfire Likelihood0.01% annual chance
ExposureDirect
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 SystemDEER CREEK WATER ASSOC.
private · serves 2,000 people · EPA ID WA5318418
Water SourceGroundwater
Last State InspectionFeb 2023
Lead4 ppb (2022–2024)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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

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

May also be available: Astound Broadband, Xfinity.

Nearby Properties on E Smith Rd

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures