1915 Eldridge Ave, Bellingham, WA 98225 Property Records

Whatcom County property record for 1915 Eldridge Ave, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,986 sqft · built 1927
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$725,000 (Oct 2017)
Tax Bill	$14,245 (2025)
Deeds & Mortgages	Jun 2021 Line of Credit May 2022 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`546092`

Property Details

APN / Parcel Number

Primary APN	`546092`
Alternative APNs	`380225 323489 0000` `53013`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,986 sqft Living Area
1st Floor Area	1,897 sqft
2nd Floor Area	1,282 sqft
Basement Area	1,259 sqft
Unfinished Basement	1,259 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1927
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	10,019 sqft (0.23 acres)
Garage Type	Attached
Garage Area	535 sqft
Parking Spaces	2 Parking Spaces
Deck Area	117 sqft
Balcony	Balcony
Balcony Area	160 sqft

Utilities, Heating & Cooling

Heating System	Hot Water

Location & Zoning

Account Number	546092
Street Address	1915 ELDRIDGE AVE
City	BELLINGHAM
State	WA
Zip	98225-2255
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS5.0
Legal Description	SUPPLEMENTAL MAP OF WHATCOM NW 35 FT OF LOT 22-SLY 45 FT OF LOT 23 BAY VIEW BLK
Legal Range	02
Legal Township	38
Legal Section	25
Legal Subdivision	SUPPLEMENTAL MAP OF WHATCOM
Legal Lot Number	22
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

1915 Eldridge Ave is owned and occupied by two individuals who bought it in October 2017.

Source: Whatcom County records, as of March 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Occupancy	Owner Occupied
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
Jun 9, 2021	Deed of Trust, Mortgage · Line of Credit UMPQUA BANK
May 5, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Feb 2, 2022	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Jul 7, 2020	Deed of Trust, Mortgage · Line of Credit US BK
Jul 7, 2020	Deed of Trust, Mortgage US BK
Oct 17, 2017	Warranty Deed, Transfer · Conventional Mortgage BANK OF PACIFIC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2017 · Amount on File
Deed Sale	Oct 17, 2017 · Amount on File
Prior Sale	Nov 2, 2005
Deed Document Number	2017-1001875
Record Updated	Jun 8, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Transaction Type	Mortgage
Record Updated	Oct 20, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000601437
Date	Jun 9, 2021
Instrument	2021-0601437

Lender

Name	UMPQUA BANK
Type	Bank
Address	BLAINE, WA 98230

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1915 ELDRIDGE AVE 111 SW FIFTH AVENUE, BELLINGHAM, WA 98225

Mortgage

Document Number	0000500544
Date	May 5, 2022
Instrument	2022-0500544

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	May 5, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Transaction Type	Mortgage
Record Updated	Oct 20, 2022
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000200232
Date	Feb 2, 2022
Instrument	2022-0200232

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2052

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Document Number	2200702244
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1915 ELDRIDGE AVE BELLINGHAM WA 982252255, BELLINGHAM, WA 98225-2255

Mortgage

Document Number	2200702244
Date	Jul 15, 2020
Instrument	702244

Lender

Name	US BK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 14, 2050

Interest

Rate Type	Adjustable Rate

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Document Number	2200702243
Instrument Date	Jul 7, 2020
Transaction Type	Mortgage
Record Updated	Jul 23, 2020
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1915 ELDRIDGE AVE BELLINGHAM WA 982252255, BELLINGHAM, WA 98225-2255

Mortgage

Document Number	2200702243
Date	Jul 15, 2020
Instrument	702243

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 14, 2040

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Oct 17, 2017
Property Address	1915 ELDRIDGE AVE, BELLINGHAM, WA 98225-2255
Document Number	2171001875
Instrument Date	Oct 11, 2017
Instrument	1001875
Transaction Type	Transfer
Record Updated	Nov 20, 2018
Title Company	WHATCOM LAND TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$12,910.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1915 ELDRIDGE AVE BELLINGHAM WA 982252255, BELLINGHAM, WA 98225-2255

Mortgage

Document Number	2171001877
Date	Oct 17, 2017
Instrument	1001877

Lender

Name	BANK OF PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2047

Mortgage

Document Number	2171001876,
Date	Oct 17, 2017
Instrument	1001876

Lender

Name	BANK OF THE PACIFIC
Type	Bank
Address	BELLINGHAM, WA 98225

Agreement

Amount	Amount on Record
Term	360 Months
Due	Oct 16, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 1915 Eldridge Ave was $14,245.

Source: Whatcom County assessment roll, as of May 31, 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	$14,245.00	$1,741,760 Land $549,392 Building $1,192,368	$1,741,760 Land $549,392 Building $1,192,368
2022		$1,494,892 Land $471,524 Building $1,023,368	$1,494,892 Land $471,524 Building $1,023,368
2021	$9,224.00

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

Flood

FEMA maps place 1915 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 1915 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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