1540 E 54th Ln, Bellingham, WA 98226 Property Records

Whatcom County property record for 1540 E 54th Ln, Bellingham, WA 98226

Property Summary

Property Type	Farm - Dairy
Details	4 bd · 4 ba · 1,882 sqft · built 2019
Lot Size	4.9 acres (213,444 sqft)
Owner	2 Individual Names on File
Tax Bill	$9,262 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2019 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`557811`

Property Details

APN / Parcel Number

Primary APN	`557811`
Alternative APNs	`390327 367181 0000` `104427`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Stories	1 Story
Building Area	1,882 sqft Total Area
1st Floor Area	1,882 sqft
Basement Area	1,468 sqft
Finished Basement	1,468 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	213,444 sqft (4.9 acres)
Garage Type	Attached
Garage Area	648 sqft
Parking Spaces	2 Parking Spaces
Porch	Covered Porch
Deck Area	120 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	557811
Street Address	1540 E 54TH LN
City	BELLINGHAM
State	WA
Zip	98226-7466
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Farm - Dairy
Local Zoning Code	R5A
Legal Description	LOT 2 EDMUND RAUCH SHORT PLAT AS REC BOOK 29 SHORT PLATS PG 94
Legal Range	03
Legal Township	39
Legal Section	27
Legal Subdivision	EDMUND RAUCH SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2023
Census Tract	10701

Owner

1540 E 54th Ln, an agricultural property, is owned and occupied by two individuals who acquired it in January 2019.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Co-owner	Co-owner on File
Mailing Address	1540 E 54TH LN, BELLINGHAM, WA 98226-7466
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANK OF THE PACIFIC
Jul 29, 2019	Trustee's Deed, Construction Loan · Construction Mortgage PEOPLES BK
Jan 4, 2019	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 4, 2019
Deed Sale	Jan 4, 2019
Deed Document Number	2019-0100223
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1540 E 54TH LN, BELLINGHAM, WA 98226-7466
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000701877
Date	Jul 13, 2021
Instrument	2021-0701877

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

July 2019: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 29, 2019
Property Address	1540 E 54TH LN, BELLINGHAM, WA 98226-7466
Instrument Date	Jul 23, 2019
Instrument	703218
Transaction Type	Construction Loan
Record Updated	Aug 5, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1540 E 54TH LN BELLINGHAM WA 982267466, BELLINGHAM, WA 98226-7466

Mortgage

Document Number	2190703218
Date	Jul 29, 2019
Instrument	703218

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 28, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

January 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jan 4, 2019
Property Address	1540 E 54TH LN, BELLINGHAM, WA 98226-7466
Document Number	2190100223
Instrument Date	Mar 6, 2018
Instrument	100223
Transaction Type	Transfer
Record Updated	Jan 15, 2019
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	STARRY RD BELLINGHAM WA 98226, BELLINGHAM, WA 98226

Tax Assessment & Valuation

The 2025 property tax bill for 1540 E 54th Ln was $9,262.

Source: Whatcom County assessment roll, as of May 31, 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	$9,262.00	$1,056,779 Land $248,991 Building $807,788	$1,088,930 Land $281,142 Building $807,788
2022		$831,929 Land $86,931 Building $744,998	$1,081,058 Land $336,060 Building $744,998
2021	$5,855.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1540 E 54th Ln 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

Wildfire risk around 1540 E 54th Ln 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.

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 23 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xfinity.

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