2046 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 2046 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,600 sqft · built 1993
Lot Size	5.03 acres (219,107 sqft)
Owner	Individual Name on Record
Tax Bill	$6,121 (2025)
Deeds & Mortgages	Aug 2019 Sale & Mortgage Apr 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`564194`

Property Details

APN / Parcel Number

Primary APN	`564194`
Alternative APNs	`390326 418100 0000` `104252` `17435`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	1,600 sqft Living Area
1st Floor Area	1,120 sqft
2nd Floor Area	480 sqft
Basement Area	1,680 sqft
Finished Basement	560 sqft
Unfinished Basement	1,120 sqft

Exterior

Year Built	Built 1993
Architectural Style	Log Home
Exterior Material	Metal
Foundation Type	Concrete
Roof Material	Metal
Lot Area	219,107 sqft (5.03 acres)
Deck Area	672 sqft
Patio Area	384 sqft
Storage Building	720 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	17435
Street Address	2046 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9512
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	LOT 2 W S HAMILTON SHORT PLAT AS REC BOOK 6 SHORT PLATS PG 71
Legal Range	03
Legal Township	39
Legal Section	26
Legal Subdivision	HAMILTON SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2028
Census Tract	10701

Owner

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	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	2046 E SMITH RD, BELLINGHAM, WA 98226-9512
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2019	Warranty Deed, Transfer · Conventional Mortgage PRIME LNDG
Apr 3, 2019	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2025
Deed Sale	Aug 22, 2025
Prior Sale	Aug 28, 2019 · Amount on Record
Deed Document Number	2025-0801711
Record Updated	Jun 8, 2026

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Aug 28, 2019
Property Address	2046 E SMITH RD, BELLINGHAM, WA 98226-9512
Document Number	2190803635
Instrument Date	Aug 24, 2019
Instrument	803635
Transaction Type	Transfer
Record Updated	Sep 13, 2019
Title Company	CHICAGO TITLE COMPANY, CHICAGO TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$9,973.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	2046 E SMITH RD BELLINGHAM WA 982269512, BELLINGHAM, WA 98226-9512

Mortgage

Document Number	2190803636
Date	Aug 28, 2019
Instrument	803636

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 27, 2049

April 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2046 E SMITH RD, BELLINGHAM, WA 98226-9512
Document Number	2190400804
Instrument Date	Apr 3, 2019
Transaction Type	Mortgage
Record Updated	Apr 17, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2046 E SMITH RD BELLINGHAM WA 982269512, BELLINGHAM, WA 98226-9512

Mortgage

Document Number	2190400804
Date	Apr 8, 2019
Instrument	400804

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 7, 2039

Interest

Rate Type	Adjustable Rate

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	$6,121.00 (+28.08%)	$788,306 (+13.94%) Land $282,055 Building $506,251	$788,306 (+13.94%) Land $282,055 Building $506,251
2022		$691,869 Land $329,135 Building $362,734	$691,869 Land $329,135 Building $362,734
2021	$4,779.00

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	Direct burnable vegetation

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 20 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: Ziply Fiber.

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