1815 Eldridge Ave, Bellingham, WA 98225 Property Records

Whatcom County property record for 1815 Eldridge Ave, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 4,746 sqft · built 2021
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on File
Last Sale	$760,000 (Jul 2017)
Tax Bill	$13,025 (2025)
Deeds & Mortgages	Aug 2026 Mortgage Mar 2023 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`380225-348426-0000`

Property Details

APN / Parcel Number

Primary APN	`380225-348426-0000`
Alternative APNs	`543508` `53058`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	4,746 sqft Living Area
Gross Area	4,846 sqft
1st Floor Area	1,802 sqft
Basement Area	1,844 sqft
Finished Basement	1,744 sqft
Unfinished Basement	100 sqft
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Architectural Style	Multi-Level
Exterior Material	Wood
Foundation Type	Block
Roof Material	Built-Up Asphalt
Lot Area	7,405 sqft (0.17 acres)
Garage Type	Detached
Garage Area	324 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Wood Porch
Porch Area	144 sqft
Deck Area	1,172 sqft
Patio Area	300 sqft
Balcony Area	692 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	53058
Street Address	1815 ELDRIDGE AVE
City	BELLINGHAM
State	WA
Zip	98225-2201
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS5.0
Legal Description	SUPPLEMENTAL MAP OF WHATCOM NW 40 FT OF LOT 17-SE 20 FT OF LOT 18 BAY VIEW BLK
Legal Range	02
Legal Township	38
Legal Section	25
Legal Subdivision	SUPPLEMENTAL MAP OF WHATCOM
Legal Block	1
Legal Lot Number	17,18
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1019
Census Tract	402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Eldridge Avenue Historic District listed 1979 · 684 contributing resources · NRIS 79002566

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

1815 Eldridge Ave is owned by two individuals who bought it in July 2017.

Source: Whatcom County records, as of August 31, 2026

Owner of Record	2 Individual Names on File
Mailing Address	4290 PACIFIC HWY, BELLINGHAM, WA 98226-9319
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
Aug 24, 2026	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK
Mar 15, 2023	Deed of Trust, Mortgage · Commercial Mortgage HERITAGE SOUTHEAST BANK
Aug 23, 2021	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE SOUTHEAST BANK
Jul 21, 2017	Warranty Deed, Transfer · Conventional Mortgage HERITAGE BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 21, 2017 · Amount on File
Deed Sale	Jul 21, 2017 · Amount on File
Prior Sale	Sep 16, 2013 · Amount on File
Deed Document Number	2017702353
Prior Transfer Date	Jun 9, 2005
Prior Transfer Doc	0000602709
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	Aug 24, 2026
Property Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201
Document Number	0000001868
Instrument Date	Aug 20, 2026
Instrument	20261868
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201

Mortgage

Document Number	0000001868,
Date	Aug 24, 2026
Instrument	20261868

Lender

Name	HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

March 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201

Mortgage

Document Number	0000301061
Date	Mar 15, 2023
Instrument	2023-0301061

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000803426
Date	Aug 23, 2021
Instrument	2021-0803426

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	OLYMPIA, WA 98501

Agreement

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

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 21, 2017
Property Address	1815 ELDRIDGE AVE, BELLINGHAM, WA 98225-2201
Document Number	2170702353
Instrument Date	Jul 14, 2017
Instrument	702353
Transaction Type	Transfer
Record Updated	Feb 15, 2019
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,533.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1815 ELDRIDGE AVE BELLINGHAM WA 982252201, BELLINGHAM, WA 98225-2201

Mortgage

Document Number	2170702355
Date	Jul 21, 2017
Instrument	702355

Lender

Name	HERITAGE BK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	2170702354,
Date	Jul 21, 2017
Instrument	702354

Lender

Name	HERITAGE BK
Type	Bank
Address	OLYMPIA, WA 98501

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jul 20, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1815 Eldridge Ave was $13,025.

Source: Whatcom County assessment roll, as of December 30, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$13,025.00	$1,639,745 Land $523,230 Building $1,116,515	$1,639,745 Land $523,230 Building $1,116,515
2022		$1,193,052 Land $449,070 Building $743,982	$1,193,052 Land $449,070 Building $743,982
2021	$4,389.00

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

Flood

FEMA maps place 1815 Eldridge Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective May 26, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

The area around 1815 Eldridge Ave has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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	CITY OF BELLINGHAM-WATER DIVISION serves 141,127 people · EPA ID WA5305600
Water Source	Surface water
Last State Inspection	Sep 2024
Lead	3 ppb (2021–2023) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 559 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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