1630 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1630 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,321 sqft · built 2019
Lot Size	5.55 acres (242,194 sqft)
Owner	2 Individual Names on Record
Last Sale	$150,500 (Aug 2016)
Tax Bill	$9,032 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Aug 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`478257`

Property Details

APN / Parcel Number

Primary APN	`478257`
Alternative APNs	`390327 462026 0000` `104451`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,321 sqft Living Area
1st Floor Area	2,321 sqft
Game Room	Game Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2019
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	242,194 sqft (5.55 acres)
Garage Type	Attached
Garage Area	810 sqft
Parking Spaces	3 Parking Spaces
Porch	Covered Porch
Patio Area	294 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	478257
Street Address	1630 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9768
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	BEG AT SE SEC COR-TH N 00 DEG 13'41\ E ALG E LI OF SE 1/4 670.27 FT-TH N 89 DEG 00'06\ W PAR WI S LI OF SE 1/4 492.63 FT-TH S
Legal Range	03
Legal Township	39
Legal Section	27
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2026
Census Tract	10701

Owner

Source: Whatcom County records, as of March 16, 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	1630 E SMITH RD, BELLINGHAM, WA 98226-9768
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage · Line of Credit PEOPLES BANK
Aug 20, 2020	Deed of Trust, Mortgage PEOPLES BK
Jul 15, 2019	Deed of Trust, Mortgage PEOPLES BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 9, 2016 · Amount on Record
Deed Sale	Aug 9, 2016 · Amount on Record
Prior Sale	Jul 9, 2013 · Amount on Record
Deed Document Number	2016-0801098
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1630 E SMITH RD, BELLINGHAM, WA 98226-9768
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401053
Date	Apr 7, 2021
Instrument	2021-0401053

Lender

Name	PEOPLES BANK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1630 E SMITH RD, BELLINGHAM, WA 98226-9768
Document Number	2200804349
Instrument Date	Aug 20, 2020
Transaction Type	Mortgage
Record Updated	Sep 3, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1630 E SMITH RD BELLINGHAM WA 982269768, BELLINGHAM, WA 98226-9768

Mortgage

Document Number	2200804349
Date	Aug 26, 2020
Instrument	804349

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2050

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1630 E SMITH RD, BELLINGHAM, WA 98226-9768
Document Number	2190702014
Instrument Date	Jul 15, 2019
Transaction Type	Mortgage
Record Updated	Jul 26, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1630 E SMITH RD BELLINGHAM WA 98226, BELLINGHAM, WA 98226

Mortgage

Document Number	2190702014
Date	Jul 18, 2019
Instrument	702014

Lender

Name	PEOPLES BK
Type	Bank
Address	BELLINGHAM, WA 98226

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 17, 2049

Interest

Rate Type	Adjustable Rate
Rate	3.87%

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$9,032.00 (+27.9%)	$1,224,022 (+21.3%) Land $272,585 Building $951,437	$1,224,022 (+21.3%) Land $272,585 Building $951,437
2022		$1,009,102 Land $248,288 Building $760,814	$1,009,102 Land $248,288 Building $760,814
2021	$7,062.00

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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