2 Cold Spring Ln, Bellingham, WA 98229 Property Records

Whatcom County property record for 2 Cold Spring Ln, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,299 sqft · built 1993
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on Record
Last Sale	$465,000 (Aug 2021)
Tax Bill	$4,297 (2025)
Deeds & Mortgages	Mar 2026 Line of Credit May 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`370407-171546-0000`

Property Details

APN / Parcel Number

Primary APN	`370407-171546-0000`
Alternative APNs	`3704071755460000` `583950` `553659` `31448`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,299 sqft Living Area
Gross Area	1,783 sqft
1st Floor Area	1,299 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	13,504 sqft (0.31 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Porch	Wood Porch
Porch Area	161 sqft
Deck Area	259 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	31448
Street Address	2 COLD SPRING LN
City	BELLINGHAM
State	WA
Zip	98229-7847
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR3
Legal Description	SUDDEN VALLEY DIV 13 LOTS 40-41-SUBJ TO IRREVOCABLE COVENANT TO BIND PROPERTIES AF 2021200839
Legal Range	04
Legal Township	37
Legal Section	07
Legal Subdivision	SUDDEN VALLEY DIV 13
Legal Block	1
Legal Lot Number	40-41
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1011
Census Tract	809

Owner

Source: Whatcom County records, as of March 24, 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 Record
Mailing Address	2 LANE GATE RD COLD SPRING NY 10516, 10516, BELLINGHAM, WA 98229
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
May 10, 2021	Deed of Trust, Mortgage · Conventional Mortgage QUALSTAR CU
Aug 30, 2021	Warranty Deed, Transfer · FHA Mortgage CALIBER HOME LOANS INC
Jul 30, 2018	Warranty Deed, Transfer · FHA Mortgage CALIBER HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2021 · Amount on Record
Deed Sale	Aug 30, 2021 · Amount on Record
Prior Sale	Jul 30, 2018 · Amount on Record
Deed Document Number	20214505
Prior Transfer Date	May 8, 2002
Prior Transfer Doc	0000501626
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2 COLD SPRING LN, BELLINGHAM, WA 98229-7847
Transaction Type	Mortgage
Record Updated	Mar 31, 2026
Title Company	WHATCOM LAND TITLE, WHATCOM LAND TITLE NEW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000301264
Date	Mar 17, 2026
Instrument	2026-0301264

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2 COLD SPRING LN, BELLINGHAM, WA 98229-7847
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	0000501383
Date	May 10, 2021
Instrument	2021-0501383

Lender

Name	QUALSTAR CU
Type	Credit Union
Address	BELLEVUE, WA 98009

Agreement

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

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 30, 2021
Property Address	2 COLD SPRING LN, BELLINGHAM, WA 98229-7847
Document Number	0000804505
Map Reference	MB 10 PG 116-118
Instrument Date	Aug 26, 2021
Instrument	2021-0804505
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$7,445.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COLD SPRING LN, BELLINGHAM, WA 98229-7847

Mortgage

Document Number	0000804506
Date	Aug 30, 2021
Instrument	2021-0804506

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2051

July 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 30, 2018
Property Address	2 COLD SPRING LN, BELLINGHAM, WA 98229-7847
Document Number	2180703093
Instrument Date	Jul 23, 2018
Instrument	703093
Transaction Type	Transfer
Record Updated	Oct 4, 2018
Title Company	CHICAGO TITLE COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$5,345.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2 COLD SPRING LN BELLINGHAM WA 982297847, BELLINGHAM, WA 98229-7847

Mortgage

Document Number	2180703094
Date	Jul 30, 2018
Instrument	703094

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

Mortgage

Document Number	2180703095,
Date	Jul 30, 2018
Instrument	703095

Lender

Name	HOUSING FIN AUTH
Address	SEATTLE, WA 98104-3601

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 29, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

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

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,297.00 (+40.24%)	$467,619 (+17.02%) Land $171,180 Building $296,439	$467,619 (+17.02%) Land $171,180 Building $296,439
2022		$399,599 Land $146,280 Building $253,319	$399,599 Land $146,280 Building $253,319
2021	$3,064.00

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	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	LWWSD - SOUTH SHORE WATER SYSTEM serves 10,028 people · EPA ID WA5395910
Water Source	Surface water
Last State Inspection	Mar 2026
Lead	4 ppb (2023–2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 110 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250

Cell Coverage

5G (outdoors only) and 4G LTE

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