Whatcom County property record for 23 Lost Fork Ln, Bellingham, WA 98229
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 2,002 sqft · built 2006 |
| Lot Size | 0.14 acres (6,098 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Feb 2021) |
| Tax Bill | $5,168 (2025) |
| Deeds & Mortgages | Mar 2026 Line of Credit Feb 2021 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 370406-332195-0000 |
| Primary APN | 370406-332195-0000 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,002 sqft Living Area |
| Gross Area | 2,486 sqft |
| 1st Floor Area | 1,176 sqft |
| Flooring | Carpet |
| Interior Walls | Finished/Painted |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2006 |
|---|---|
| Effective Year Built | Effective 2006 |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 6,098 sqft (0.14 acres) |
| Garage Type | Attached |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 414 sqft |
| Heating System | Forced Air with A/C |
|---|
| Account Number | 30619 |
|---|---|
| Street Address | 23 LOST FORK LN |
| City | BELLINGHAM |
| State | WA |
| Zip | 98229-7802 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | RR3 |
| Legal Description | SUDDEN VALLEY DIV 10 LOT 4 |
| Legal Range | 04 |
| Legal Township | 37 |
| Legal Section | 06 |
| Legal Subdivision | SUDDEN VALLEY DIV 10 |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 1 |
| Census Block | 1000 |
| Census Tract | 809 |
23 Lost Fork Ln is owned and occupied by an individual who bought it in February 2021.
Source: Whatcom County records, as of April 2, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 10, 2026 | Deed of Trust, Mortgage · Line of Credit BANK OF AMERICA NA |
| Feb 25, 2021 | Warranty Deed, Transfer · Conventional Mortgage UMPQUA BANK |
| Oct 2, 2019 | Deed of Trust, Mortgage · Conventional with PMI AFFINITY MTG |
| Nov 15, 2017 | Warranty Deed, Transfer · VA Mortgage MOVEMENT MTG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 25, 2021 · Amount on File |
| Deed Sale | Feb 25, 2021 · Amount on File |
| Prior Sale | Feb 25, 2021 · Amount on File |
| Deed Document Number | 20214629 |
| Prior Transfer Date | Feb 5, 2010 |
| Prior Transfer Doc | 0000200729 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Transaction Type | Mortgage |
| Record Updated | Mar 20, 2026 |
| Title Company | WFG LENDER SERVICES, WFG LENDER SERVICES-RESWARE |
| Name | Verified Name |
|---|
| Document Number | 0000300683 |
|---|---|
| Date | Mar 10, 2026 |
| Instrument | 2026-0300683 |
| Name | BANK OF AMERICA NA |
|---|---|
| Type | Bank |
| Address | CHARLOTTE, NC 28255 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Mar 2, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Feb 25, 2021 |
| Property Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Document Number | 0000204629 |
| Map Reference | VOL 10 PG 97-101 |
| Instrument Date | Feb 22, 2021 |
| Instrument | 2021-0204629 |
| Transaction Type | Transfer |
| Record Updated | Nov 1, 2023 |
| Title Company | NOT AVAILABLE, WHATCOM LAND TITLE CO INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $7,685.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Document Number | 0000204630 |
|---|---|
| Date | Feb 25, 2021 |
| Instrument | 2021-0204630 |
| Name | UMPQUA BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Document Number | 2191003652 |
| Instrument Date | Oct 2, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 6, 2019 |
| Title Company | CHICAGO TITLE BELLINGHAM |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 23 LOST FORK LN BELLINGHAM WA 982297802, BELLINGHAM, WA 98229-7802 |
| Document Number | 2191003652 |
|---|---|
| Date | Oct 28, 2019 |
| Instrument | 1003652 |
| Name | AFFINITY MTG |
|---|---|
| Type | Mortgage Company |
| Address | LENEXA, KS 66215 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 27, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WHATCOM WA |
| Recording Date | Nov 15, 2017 |
| Property Address | 23 LOST FORK LN, BELLINGHAM, WA 98229-7802 |
| Document Number | 2171101722 |
| Instrument Date | Nov 7, 2017 |
| Instrument | 1101722 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $5,950.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 23 LOST FORK LN BELLINGHAM WA 982297802, BELLINGHAM, WA 98229-7802 |
| Document Number | 2171101723 |
|---|---|
| Date | Nov 15, 2017 |
| Instrument | 1101723 |
| Name | MOVEMENT MTG |
|---|---|
| Type | Mortgage Company |
| Address | INDIAN LAND, SC 29707 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 14, 2047 |
The 2025 property tax bill for 23 Lost Fork Ln was $5,168.
Source: Whatcom County assessment roll, as of December 30, 2025
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Bellingham School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $5,168.00 | $566,529 Land $136,944 Building $429,585 | $566,529 Land $136,944 Building $429,585 |
| 2022 | $484,121 Land $117,024 Building $367,097 | $484,121 Land $117,024 Building $367,097 | |
| 2021 | $3,682.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 23 Lost Fork Ln in Zone X, an area of minimal flood risk.
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 risk around 23 Lost Fork Ln is low, with a 0.01% annual chance of 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 340 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
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