Whatcom County property record for 168 E Smith Rd, Bellingham, WA 98226 · Last verified March 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,376 sqft · built 1915 |
| Lot Size | 2.99 acres (130,244 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $5,600 (2025) |
| Deeds & Mortgages | Dec 2025 Mortgage Sep 2022 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 541668 |
| Primary APN | 541668 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,376 sqft Living Area |
| 1st Floor Area | 864 sqft |
| 2nd Floor Area | 512 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1915 |
|---|---|
| Architectural Style | Split Level |
| Exterior Material | Combination |
| Roof Material | Metal |
| Lot Area | 130,244 sqft (2.99 acres) |
| Garage Type | Detached |
| Garage Area | 720 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Porch |
| Porch Area | 168 sqft |
| Storage Building | 372 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 541668 |
|---|---|
| Street Address | 168 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9717 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | BEG 30 FT N-1468.5 FT W OF SE COR OF SW 1/4-TH N 410 FT-TH W 318.5 FT TH S 410 FT-TH E 318.5 FT TO BEG-EXC PTN TO WHATCOM CO |
| Legal Range | 03 |
| Legal Township | 39 |
| Legal Section | 30 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | FERNDALE |
| Census Block Group | 2 |
| Census Block | 2031 |
| Census Tract | 10701 |
Source: Whatcom County records · APN 541668
Assessment roll updated May 31, 2025 · Last verified March 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 File |
|---|---|
| Mailing Address | 168 E SMITH RD, BELLINGHAM, WA 98226-9717 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 31, 2025 | Deed of Trust, Mortgage · Conventional Mortgage T2 FINANCIAL LLC |
| Sep 02, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FIRST NATIONAL BANK OF AMERICA |
| May 26, 2017 | Warranty Deed, Transfer · Conventional with PMI HABERFIVE LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jun 27, 2001 |
| Deed Sale | Jun 27, 2001 |
| Deed Document Number | 2010604003 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 168 E SMITH RD, BELLINGHAM, WA 98226-9717 |
| Transaction Type | Mortgage |
| Record Updated | Jan 09, 2026 |
| Title Company | TICOR TITLE INSURANCE COMPANY, TICOR TITLE |
| Name | Verified Name |
|---|---|
| Address | 168 E SMITH RD, BELLINGHAM, WA 98226-9717 |
| Investor | Possibly a Property Investor |
| Document Number | 0001202694 |
|---|---|
| Date | Dec 31, 2025 |
| Instrument | 2025-1202694 |
| Name | T2 FINANCIAL LLC |
|---|---|
| Type | Mortgage Company |
| Address | WESTERVILLE, OH 43082 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 168 E SMITH RD, BELLINGHAM, WA 98226-9717 |
| Transaction Type | Mortgage |
| Record Updated | Sep 14, 2022 |
| Title Company | TICOR TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000900140 |
|---|---|
| Date | Sep 02, 2022 |
| Instrument | 2022-0900140 |
| Name | FIRST NATIONAL BANK OF AMERICA |
|---|---|
| Type | Bank |
| Address | EAST LANSING, MI 48823 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 15, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | May 26, 2017 |
| Property Address | 168 E SMITH RD, BELLINGHAM, WA 98226-9717 |
| Document Number | 2170503169 |
| Instrument Date | May 22, 2017 |
| Instrument | 503169 |
| Transaction Type | Transfer |
| Record Updated | Jun 08, 2017 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,203.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 168 E SMITH RD BELLINGHAM WA 982269717, BELLINGHAM, WA 98226-9717 |
| Document Number | 2170503170 |
|---|---|
| Date | May 26, 2017 |
| Instrument | 503170 |
| Name | HABERFIVE LLC |
|---|---|
| Address | LAKEWOOD, WA 98498 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Meridian School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,600.00 (+55%) | $639,011 (+17.7%) Land $322,082 Building $316,929 | $639,011 (+17.7%) Land $322,082 Building $316,929 |
| 2022 | $542,896 Land $281,505 Building $261,391 | $542,896 Land $281,505 Building $261,391 | |
| 2021 | $3,613.00 |
Source: FEMA National Flood Hazard Layer, Whatcom County (53073C), updated May 26, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Wildfire Risk | Low above 7% of the US · above 4% of Washington |
|---|---|
| Wildfire Likelihood | Less than 1 in 10,000 per year |
| Exposure | Direct burnable vegetation at the parcel |
Values are read at the parcel center point; lenders make the official flood determination.
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