1854 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1854 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,422 sqft · built 1971
Lot Size	2.73 acres (118,919 sqft)
Owner	2 Individual Names on File
Last Sale	$430,000 (Apr 2019)
Tax Bill	$5,572 (2025)
Deeds & Mortgages	Apr 2019 Sale & Mortgage Feb 2019 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`560166`

Property Details

APN / Parcel Number

Primary APN	`560166`
Alternative APNs	`390326 211025 0000` `104203`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,422 sqft Living Area
1st Floor Area	600 sqft
2nd Floor Area	1,197 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Architectural Style	Split Level
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Metal
Lot Area	118,919 sqft (2.73 acres)
Garage Type	Attached
Garage Area	621 sqft

Exterior Amenities

Porch	Enclosed Porch
Porch Area	252 sqft
Deck Area	360 sqft
Storage Building	864 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	560166
Street Address	1854 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9513
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	S 290.4 FT OF W 150 FT OF E 1/2 SE SW-LESS RD-EXC PTN TO WHATCOM CO FOR RD DESC AF 940224062-BEG AT SW COR OF E 1/2 SE SW-TH
Legal Range	03
Legal Township	39
Legal Section	26
Legal Subdivision	ALG W LI OF SD SUBDIV
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2027
Census Tract	10701

Owner

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

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
Co-owner	Verified Secondary Owner
Mailing Address	1854 E SMITH RD, BELLINGHAM, WA 98226-9513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 15, 2019	Warranty Deed, Transfer · Conventional Mortgage GUILD MTG
Feb 8, 2019	Loan Modification, Mortgage · Conventional with PMI DITECH FIN'L

Assessor's Deed Record

Deed Names	3 Verified Names on Deed
Last Sale	Apr 15, 2019 · Amount on Record
Deed Sale	Apr 15, 2019 · Amount on Record
Prior Sale	Jan 25, 2016 · Amount on Record
Deed Document Number	2019-0401456
Record Updated	Jun 8, 2026

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 15, 2019
Property Address	1854 E SMITH RD, BELLINGHAM, WA 98226-9513
Document Number	2190401456
Instrument Date	Apr 2, 2019
Instrument	401456
Transaction Type	Transfer
Record Updated	Apr 25, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$7,659.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1854 E SMITH RD BELLINGHAM WA 982269513, BELLINGHAM, WA 98226-9513

Mortgage

Document Number	2190401457
Date	Apr 15, 2019
Instrument	401457

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 14, 2049

February 2019: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	1854 E SMITH RD, BELLINGHAM, WA 98226-9513
Document Number	2190301214
Instrument Date	Feb 8, 2019
Transaction Type	Mortgage
Record Updated	Mar 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1854 E SMITH RD BELLINGHAM WA 982269513, BELLINGHAM, WA 98226-9513

Mortgage

Document Number	2190301214
Date	Mar 15, 2019
Instrument	301214

Lender

Name	DITECH FIN'L
Address	TEMPE, AZ 85284

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2049

Interest

Rate	5%

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	$5,572.00 (+3%)	$717,696 (+15.28%) Land $268,201 Building $449,495	$717,696 (+15.28%) Land $268,201 Building $449,495
2022		$622,553 Land $275,859 Building $346,694	$622,553 Land $275,859 Building $346,694
2021	$4,286.00

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	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Xfinity.

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