2176 Spring Valley Ave, Bellingham, WA 98229 Property Records

Whatcom County property record for 2176 Spring Valley Ave, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 3,807 sqft · built 2010
Lot Size	1.26 acres (54,886 sqft)
Owner	Company Name on Record
Tax Bill	$12,415 (2025)
Deeds & Mortgages	Apr 2021 Line of Credit Jan 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`577210`

Property Details

APN / Parcel Number

Primary APN	`577210`
Alternative APNs	`370304 122107 0000` `618189` `21484`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,807 sqft Living Area
1st Floor Area	2,239 sqft
2nd Floor Area	1,568 sqft
Flooring	Wood
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 2010
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	54,886 sqft (1.26 acres)
Garage Type	Mixed
Garage Area	2,036 sqft
Carport	Carport
Carport Area	417 sqft
Parking Spaces	8 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	586 sqft
Patio Area	648 sqft
Balcony	Balcony
Balcony Area	386 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	618189
Street Address	2176 SPRING VALLEY AVE
City	BELLINGHAM
State	WA
Zip	98229-6837
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URMX
Legal Description	LOT 4 SPRING VALLEY SHORT PLAT AS REC BOOK 36 SHORT PLATS PG 86
Legal Range	03
Legal Township	37
Legal Section	04
Legal Subdivision	LEY SHORT PLAT
Legal Lot Number	4
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	3
Census Block	3002
Census Tract	902

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	Company Name on Record
Co-owner	Co-owner on Record
Owner Type	Company
Vesting	Trust

Deeds, Mortgages & Sale History

Date	Document
Apr 13, 2021	Deed of Trust, Mortgage · Line of Credit HERITAGE SOUTHEAST BANK
Jan 26, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage THE FEDERAL SAVINGS BANK
Nov 4, 2019	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BK
May 21, 2018	Deed of Trust, Mortgage · Line of Credit HERITAGE BK

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 1, 2025
Deed Sale	Jul 1, 2025
Prior Sale	Jan 26, 2021
Deed Document Number	2025-0700050
Record Updated	Jun 8, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2176 SPRING VALLEY AVE, BELLINGHAM, WA 98229-6837
Transaction Type	Mortgage
Record Updated	Apr 21, 2021
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20210402232
Date	Apr 13, 2021
Instrument	2021-0402232

Lender

Name	HERITAGE SOUTHEAST BANK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Jan 26, 2021
Property Address	2176 SPRING VALLEY AVE, BELLINGHAM, WA 98229-6837
Document Number	0000103842
Map Reference	VOL 36 PG 86
Instrument Date	Dec 26, 2020
Instrument	2021-0103842
Transaction Type	Transfer
Record Updated	Feb 22, 2022
Title Company	SERVICELINK

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2176 SPRING VALLEY AVE, BELLINGHAM, WA 98229-6837

Mortgage

Document Number	20210103843
Date	Jan 26, 2021
Instrument	2021-0103843

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2176 SPRING VALLEY AVE, BELLINGHAM, WA 98229-6837
Document Number	2191101435
Instrument Date	Nov 4, 2019
Transaction Type	Mortgage
Record Updated	Nov 21, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2176 SPRING VALLEY AVE BELLINGHAM WA 982296837, BELLINGHAM, WA 98229-6837

Mortgage

Document Number	2191101435
Date	Nov 12, 2019
Instrument	1101435

Lender

Name	HERITAGE BK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2176 SPRING VALLEY AVE, BELLINGHAM, WA 98229-6837
Document Number	2180503533
Instrument Date	May 21, 2018
Transaction Type	Mortgage
Record Updated	Jun 22, 2018
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2176 SPRING VALLEY AVE BELLINGHAM WA 982296837, BELLINGHAM, WA 98229-6837

Mortgage

Document Number	2180503533
Date	May 31, 2018
Instrument	503533

Lender

Name	HERITAGE BK
Type	Bank
Address	OLYMPIA, WA 98507

Agreement

Type	Line of Credit
Amount	Amount Recorded

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	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$12,415.00 (+54.67%)	$1,387,938 (+36.7%) Land $264,978 Building $1,122,960	$1,387,938 (+36.7%) Land $264,978 Building $1,122,960
2022		$1,015,297 Land $256,473 Building $758,824	$1,015,297 Land $256,473 Building $758,824
2021	$8,027.00

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 68 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

Cell Coverage

5G and 4G LTE (outdoors only)

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