Whatcom County property record for 15 River Ridge Loop, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 2,272 sqft · built 1996 |
| Lot Size | 0.269 acres (11,732 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $5,172 (2025) |
| Deeds & Mortgages | Apr 2026 Line of Credit May 2022 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 370301-400215-0000 |
| Primary APN | 370301-400215-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,272 sqft Living Area |
| Gross Area | 3,082 sqft |
| 1st Floor Area | 2,272 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1996 |
|---|---|
| Effective Year Built | Effective 1996 |
| Exterior Material | Combination |
| Roof Material | Composition Shingle |
| Lot Area | 11,732 sqft (0.269 acres) |
| Garage Type | Attached |
| Garage Area | 810 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Wood Porch |
| Porch Area | 168 sqft |
| Deck Area | 266 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 20847 |
|---|---|
| Street Address | 15 RIVER RIDGE LOOP |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7663 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | LOTS 40/41 SUDDEN VALLEY DIV 29 LOT CONSOLIDATION SHORT PLAT AS REC BOOK 18 SHORT PLATS PG 32 |
| Legal Range | 03 |
| Legal Township | 37 |
| Legal Section | 01 |
| Legal Subdivision | SUDDEN VALLEY DIV 29 |
| Legal Block | 2 |
| Legal Lot Number | 40 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 809 |
Source: Whatcom County records, as of April 28, 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 | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2026 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION |
| May 16, 2022 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| May 29, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WHATCOM EDUCATIONAL CU |
| Jul 12, 2018 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Jul 3, 2017 | Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 11, 2009 |
| Deed Sale | Jun 11, 2009 |
| Prior Sale | Jul 7, 2006 · Amount on Record |
| Deed Document Number | 2009602084 |
| Last Transfer Date | Aug 31, 2012 |
| Transfer Doc | 0000900358 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Apr 22, 2026 |
| Property Address | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 0000001780 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20261780 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | E-CHICAGO TITLE, CHICAGO TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000001780, |
|---|---|
| Date | Apr 22, 2026 |
| Instrument | 20261780 |
| Name | WHATCOM EDUCATIONAL CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2056 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000501664 |
|---|---|
| Date | May 16, 2022 |
| Instrument | 2022-0501664 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200600479 |
| Instrument Date | May 29, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jun 11, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2200600479 |
|---|---|
| Date | Jun 3, 2020 |
| Instrument | 600479 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 2, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2180701766 |
| Instrument Date | Jul 12, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Aug 1, 2018 |
| Title Company | CHICAGO TITLE COMPANY |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2180701766 |
|---|---|
| Date | Jul 17, 2018 |
| Instrument | 701766 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 16, 2038 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 15 RIVER RIDGE LOOP, BELLINGHAM, WA 98229-7663 |
| Document Number | 2170700828 |
| Instrument Date | Jul 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jul 25, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 15 RIVER RIDGE LOOP BELLINGHAM WA 982297663, BELLINGHAM, WA 98229-7663 |
| Document Number | 2170700828 |
|---|---|
| Date | Jul 10, 2017 |
| Instrument | 700828 |
| Name | WHATCOM EDUCATIONAL CU |
|---|---|
| Type | Credit Union |
| Address | BELLINGHAM, WA 98227-9750 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Jul 9, 2037 |
| Rate Type | Adjustable Rate |
|---|
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,172.00 (+40.39%) | $566,986 (+17.02%) Land $171,180 Building $395,806 | $566,986 (+17.02%) Land $171,180 Building $395,806 |
| 2022 | $484,512 Land $146,280 Building $338,232 | $484,512 Land $146,280 Building $338,232 | |
| 2021 | $3,684.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Mar 2026 |
| Lead | 4 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.
Source: FCC Broadband Data Collection, based on 194 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures