1580 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1580 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 2,522 sqft · built 1984
Lot Size	4.86 acres (211,702 sqft)
Owner	Individual Name on Record
Last Sale	$905,562 (Jul 2021)
Tax Bill	$6,591 (2025)
Deeds & Mortgages	Jul 2021 Sale & Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390327-378035-0000`

Property Details

APN / Parcel Number

Primary APN	`390327-378035-0000`
Alternative APNs	`104430` `582442` `38473`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Building Area	2,522 sqft Living Area
1st Floor Area	780 sqft
Basement Area	780 sqft
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1984
Effective Year Built	Effective 2001
Architectural Style	Split Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Metal
Lot Area	211,702 sqft (4.86 acres)
Deck Area	1,139 sqft
Storage Building	768 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	104430
Street Address	1580 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9767
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	R5A
Legal Description	THAT PTN OF S 1/2 SW SE DAF-BEG AT SE COR OF SD SUBDIV-TH N 660 FT PAR TO E LI OF SD SUBDIV-TH W 396 FT PAR TO N LI OF SD SUBDIV-TH S 660 FT PAR TO E LI OF SD SUBDIV-TH E 396 FT PAR TO S LI OF SD SUBDIV TO POB-LESS RD-EXC W 60 FT THEREOF
Legal Range	03
Legal Township	39
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2023
Census Tract	10701

Owner

Source: Whatcom County records, as of April 2, 2026

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

Owner of Record	Individual Name on Record
Mailing Address	1580 E SMITH RD, BELLINGHAM, WA 98226-9767
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Jul 15, 2021	Warranty Deed, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Oct 28, 2019	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC
May 16, 2018	Deed of Trust, Mortgage · Conventional Mortgage HOMEBRIDGE FIN'L SVCS INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 15, 2021 · Amount on Record
Deed Sale	Jul 15, 2021 · Amount on Record
Prior Sale	Jul 15, 2021 · Amount on Record
Deed Document Number	20212601
Prior Transfer Date	Dec 18, 2002
Prior Transfer Doc	0001205767
Record Updated	Oct 29, 2026

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 15, 2021
Property Address	1580 E SMITH RD, BELLINGHAM, WA 98226-9767
Document Number	0000702601
Instrument Date	Jul 12, 2021
Instrument	2021-0702601
Transaction Type	Transfer
Record Updated	Jun 30, 2023
Title Company	CHICAGO TITLE BELLINGHAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$15,224.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1580 E SMITH RD, BELLINGHAM, WA 98226-9767

Mortgage

Document Number	0000702602
Date	Jul 15, 2021
Instrument	2021-0702602

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

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

Mortgage

Document Number	0000702603
Date	Jul 15, 2021
Instrument	2021-0702603

Lender

Name	HOMETRUST BANK
Type	Bank
Address	ASHEVILLE, NC 28802

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1580 E SMITH RD, BELLINGHAM, WA 98226-9767
Document Number	2191100091
Instrument Date	Oct 28, 2019
Transaction Type	Mortgage
Record Updated	Nov 12, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1580 E SMITH RD BELLINGHAM WA 982269767, BELLINGHAM, WA 98226-9767

Mortgage

Document Number	2191100091
Date	Nov 1, 2019
Instrument	1100091

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 31, 2049

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1580 E SMITH RD, BELLINGHAM, WA 98226-9767
Document Number	2180502520
Instrument Date	May 16, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018
Title Company	CHICAGO TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	1580 E SMITH RD BELLINGHAM WA 982269767, BELLINGHAM, WA 98226-9767

Mortgage

Document Number	2180502520
Date	May 22, 2018
Instrument	502520

Lender

Name	HOMEBRIDGE FIN'L SVCS INC
Type	Funding / Finance Company
Address	ISELIN, NJ 08830

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2048

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	$6,591.00 (+79.15%)	$796,829 (+52.93%) Land $280,857 Building $515,972	$796,829 (+3.8%) Land $280,857 Building $515,972
2022		$521,054 Land $86,890 Building $434,164	$767,628 Land $333,464 Building $434,164
2021	$3,679.00

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

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

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)
Xfinity Cable	1,200 / 35
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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