2245 Rusty Ln, Bellingham, WA 98229 Property Records

Whatcom County property record for 2245 Rusty Ln, Bellingham, WA 98229

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 3,449 sqft · built 1997
Lot Size	1.22 acres (53,143 sqft)
Owner	Owner Name on Record
Last Sale	$400,000 (Jun 2002)
Tax Bill	$13,140 (2025)
Deeds & Mortgages	Dec 2019 Line of Credit Apr 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`487478`

Property Details

APN / Parcel Number

Primary APN	`487478`
Alternative APNs	`370305 376181 0000` `21854`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	3,449 sqft Living Area
1st Floor Area	1,957 sqft
2nd Floor Area	1,492 sqft
Interior Walls	Finished/Painted
Fireplaces	2 Fireplaces
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	53,143 sqft (1.22 acres)
Garage Type	Mixed
Garage Area	2,874 sqft
Parking Spaces	10 Parking Spaces

Exterior Amenities

Porch	Covered Porch
Porch Area	40 sqft
Deck Area	903 sqft
Patio Area	188 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	487478
Street Address	2245 RUSTY LN
City	BELLINGHAM
State	WA
Zip	98229-6835
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	URMX
Legal Description	LOT 2 RUSSELL SHORT PLAT AS REC BOOK 31 SHORT PLATS PG 84
Legal Range	03
Legal Township	37
Legal Section	05
Legal Subdivision	RUSSELL SHORT PLAT
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2000
Census Tract	902

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Owner Name on Record
Mailing Address	2245 RUSTY LN, BELLINGHAM, WA 98229-6835
Occupancy	Owner Occupied

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2019	Deed of Trust, Mortgage · Line of Credit KEYBANK USA
Apr 13, 2017	Deed of Trust, Mortgage · Line of Credit KEYBANK USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2002 · Amount on Record
Deed Sale	Jun 20, 2002 · Amount on Record
Prior Sale	Jun 20, 2002 · Amount on Record
Deed Document Number	2020603155
Last Transfer Date	Apr 6, 2011
Transfer Doc	2110400572
Record Updated	Jun 8, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2245 RUSTY LN, BELLINGHAM, WA 98229-6835
Document Number	2200102947
Instrument Date	Dec 6, 2019
Transaction Type	Mortgage
Record Updated	Feb 6, 2020
Title Company	SOLIDIFI TITLE AND CLOSING, SOLIDIFI TITLE & CLOSING

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Living Trust
Address	2245 RUSTY LN BELLINGHAM WA 982296835, BELLINGHAM, WA 98229-6835

Mortgage

Document Number	2200102947
Date	Jan 27, 2020
Instrument	102947

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jan 26, 2050

Interest

Rate Type	Adjustable Rate

April 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2245 RUSTY LN, BELLINGHAM, WA 98229-6835
Document Number	2170500001
Instrument Date	Apr 13, 2017
Transaction Type	Mortgage
Record Updated	May 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2245 RUSTY LN BELLINGHAM WA 982296835, BELLINGHAM, WA 98229-6835

Mortgage

Document Number	2170500001
Date	May 1, 2017
Instrument	500001

Lender

Name	KEYBANK USA
Type	Bank
Address	BROOKLYN, OH 44144

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Apr 30, 2047

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	$13,140.00 (+66.46%)	$1,468,972 (+47.12%) Land $262,730 Building $1,206,242	$1,468,972 (+47.12%) Land $262,730 Building $1,206,242
2022		$998,460 Land $257,830 Building $740,630	$998,460 Land $257,830 Building $740,630
2021	$7,894.00

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	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

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	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 130 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35

Cell Coverage

5G and 4G LTE (outdoors only)

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