1891 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 1891 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Land for Livestock, Animals
Details	4 bd · 2 ba · 840 sqft · built 1925
Lot Size	4.71 acres (205,168 sqft)
Owner	2 Individual Names on File
Last Sale	$337,000 (Apr 2017)
Tax Bill	$4,483 (2025)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`540391`

Property Details

APN / Parcel Number

Primary APN	`540391`
Alternative APNs	`390335 250500 0000` `105683`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	840 sqft Total Area
1st Floor Area	1,680 sqft

Exterior

Year Built	Built 1925
Architectural Style	Other
Exterior Material	Combination
Foundation Type	Block
Roof Material	Composition Shingle
Lot Area	205,168 sqft (4.71 acres)
Porch	Porch
Porch Area	72 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	540391
Street Address	1891 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9513
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Land for Livestock, Animals
Local Zoning Code	R5A
Legal Description	LOT 1 LAMOUREAUX SHORT PLAT AS REC BOOK 25 SHORT PLATS PG 48-EXC PTN TO WHATCOM CO FOR RD DESC AF 940323135
Legal Range	03
Legal Township	39
Legal Section	35
Legal Subdivision	LAMOUREAUX SHORT PLAT
Legal Lot Number	1
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2003
Census Tract	101

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
Mailing Address	1891 E SMITH RD, BELLINGHAM, WA 98226-9513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MORTGAGE INC
Apr 21, 2022	Deed of Trust, Mortgage · Line of Credit PNC BANK NA
Apr 13, 2017	Warranty Deed, Transfer · Conventional with PMI CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 13, 2017 · Amount on Record
Deed Sale	Apr 13, 2017 · Amount on Record
Prior Sale	Jun 27, 2006 · Amount on Record
Deed Document Number	2017-0401143
Record Updated	Jun 8, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1891 E SMITH RD, BELLINGHAM, WA 98226-9513
Transaction Type	Mortgage
Record Updated	Nov 1, 2023
Title Company	GUARDIAN LAND TITLE, GUARDIAN NW TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000202763
Date	Feb 16, 2021
Instrument	2021-0202763

Lender

Name	AMERICAN MORTGAGE INC
Type	Mortgage Company
Address	BELLEVUE, WA 98004

Agreement

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

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1891 E SMITH RD, BELLINGHAM, WA 98226-9513
Transaction Type	Mortgage
Record Updated	Nov 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1891 E SMITH RD, BELLINGHAM, WA 98226-9513

Mortgage

Document Number	0000402286
Date	Apr 21, 2022
Instrument	2022-0402286

Lender

Name	PNC BANK NA
Type	Bank
Address	WILMINGTON, DE 19801

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	480 Months
Due	Apr 15, 2062

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 13, 2017
Property Address	1891 E SMITH RD, BELLINGHAM, WA 98226-9513
Document Number	2170401143
Instrument Date	Apr 10, 2017
Instrument	401143
Transaction Type	Transfer
Record Updated	Apr 21, 2017
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INSURANCE COMPAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$6,004.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1891 E SMITH RD BELLINGHAM WA 982269513, BELLINGHAM, WA 98226-9513

Mortgage

Document Number	2170401144
Date	Apr 13, 2017
Instrument	401144

Lender

Name	CALIBER HM LOANS
Type	Funding / Finance Company
Address	IRVING, TX 75063

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Apr 12, 2047

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	$4,483.00 (+138.84%)	$577,416 (+114.21%) Land $248,670 Building $328,746	$608,511 (+16.71%) Land $279,765 Building $328,746
2022		$269,561 Land $89,928 Building $179,633	$521,377 Land $341,744 Building $179,633
2021	$1,877.00

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 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

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 at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 22 locations within half a mile, as of December 31, 2025

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

May also be available: Northwest Fiber.

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