Whatcom County property record for 2018 Whatcom Ln, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,708 sqft · built 1998 |
| Lot Size | 0.354 acres (15,442 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $424,000 (Oct 2017) |
| Tax Bill | $6,274 (2025) |
| Deeds & Mortgages | Jun 2021 Line of Credit Mar 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 546624 |
| Primary APN | 546624 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,708 sqft Living Area |
| 1st Floor Area | 1,708 sqft |
| Basement Area | 300 sqft |
| Finished Basement | 300 sqft |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 15,442 sqft (0.354 acres) |
| Garage Type | Attached |
| Garage Area | 440 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 440 sqft |
| Heating System | Forced Air |
|---|
| Account Number | 546624 |
|---|---|
| Street Address | 2018 WHATCOM LN |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-2238 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RS10.0 |
| Legal Description | LOT 3 HAND'S PICNIC GROVE SHORT PLAT AS REC BOOK 35 SHORT PLATS PG 86 |
| Legal Range | 03 |
| Legal Township | 38 |
| Legal Section | 32 |
| Legal Subdivision | HAND'S PICNIC GROVE SHORT PLAT |
| Legal Lot Number | 3 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 904 |
Source: Whatcom County records, as of March 16, 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 | 2018 WHATCOM LN, BELLINGHAM, WA 98229-2238 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 29, 2021 | Deed of Trust, Mortgage · Line of Credit UMPQUA BANK |
| Mar 18, 2020 | Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK |
| Oct 31, 2017 | Warranty Deed, Transfer · Conventional with PMI UMPQUA BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2017 · Amount on Record |
| Deed Sale | Oct 31, 2017 · Amount on Record |
| Prior Sale | May 15, 2008 · Amount on Record |
| Deed Document Number | 2017-1003823 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2018 WHATCOM LN, BELLINGHAM, WA 98229-2238 |
| Transaction Type | Mortgage |
| Record Updated | Nov 1, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000604955 |
|---|---|
| Date | Jun 29, 2021 |
| Instrument | 2021-0604955 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Address | BELLINGHAM, WA 98226 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2018 WHATCOM LN, BELLINGHAM, WA 98229-2238 |
| Document Number | 2200302667 |
| Instrument Date | Mar 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2020 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2018 WHATCOM LN BELLINGHAM WA 982292238, BELLINGHAM, WA 98229-2238 |
| Document Number | 2200302667 |
|---|---|
| Date | Mar 23, 2020 |
| Instrument | 302667 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 22, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Oct 31, 2017 |
| Property Address | 2018 WHATCOM LN, BELLINGHAM, WA 98229-2238 |
| Document Number | 2171003823 |
| Instrument Date | Oct 25, 2017 |
| Instrument | 1003823 |
| Transaction Type | Transfer |
| Record Updated | Feb 14, 2019 |
| Title Company | CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,552.20 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2018 WHATCOM LN BELLINGHAM WA 982292238, BELLINGHAM, WA 98229-2238 |
| Document Number | 2171003824 |
|---|---|
| Date | Oct 31, 2017 |
| Instrument | 1003824 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | TIGARD, OR 97224 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 30, 2047 |
Source: Whatcom County assessment roll, as of May 31, 2025
| Type | Name |
|---|---|
| State | Washington |
| Municipality | Bellingham City |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $6,274.00 (+44.5%) | $767,167 (+23.01%) Land $302,500 Building $464,667 | $767,167 (+23.01%) Land $302,500 Building $464,667 |
| 2022 | $623,659 Land $223,380 Building $400,279 | $623,659 Land $223,380 Building $400,279 | |
| 2021 | $4,342.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Nearby Flood Policies | 3 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 391 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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