2397 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 2397 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Ranch
Details	4 bd · 3 ba · 4,291 sqft · built 2022
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on File
Tax Bill	$10,220 (2025)
Deeds & Mortgages	May 2024 Line of Credit Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`390336-421375-0000`

Property Details

APN / Parcel Number

Primary APN	`390336-421375-0000`
Alternative APNs	`191147` `596682`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Stories	2 Stories
Building Area	4,291 sqft Living Area
1st Floor Area	2,623 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Stucco
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Area	968 sqft
Parking Spaces	4 Parking Spaces
Porch	Porch
Porch Area	80 sqft
Patio Area	1,259 sqft

Utilities, Heating & Cooling

Heating System	Heat Pump

Location & Zoning

Account Number	191147
Street Address	2397 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-7556
Property Category	Agriculture or Farming
Property Type	Agriculture / Farming > Ranch
Local Zoning Code	R5A
Legal Description	TR LY WITHIN PTN OF NE NE DAF-BEG AT NW COR OF SD NE NE-TH S 01 DEG 1215 E ALG W LI OF SD NE NE 665.83 FT TO TPOB-TH FOLL 4 COURSES-N 88 DEG 5513 E 530 FT-S 01 DEG 1215 E 410.94 FT-S 88 DEG 5513 W 530 FT TO SD W LI-N 01 DEG 1215 W ALG SD W LI 410.94
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	2
Census Block	2001
Census Tract	101

Owner

Source: Whatcom County assessment roll, as of December 30, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	2397 E SMITH RD, BELLINGHAM, WA 98226-7556
Owner Type	Individual
Vesting	Sole Owner

Deeds, Mortgages & Sale History

Date	Document
May 29, 2024	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CU
Apr 27, 2026	Quit Claim Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Apr 22, 2026
Transfer Doc	0000002230
Record Updated	Sep 20, 2026

May 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2397 E SMITH RD, BELLINGHAM, WA 98226-7556
Transaction Type	Mortgage
Record Updated	May 8, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000502074
Date	May 29, 2024
Instrument	2024-0502074

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2054

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 27, 2026
Property Address	2397 E SMITH RD, BELLINGHAM, WA 98226-7556
Document Number	0000002230
Instrument Date	Apr 22, 2026
Instrument	20262230
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	GUARDIAN ANGEL TITLE, GUARDIAN NORTHWEST TITLE

Transaction

Amount	Amount Recorded
Tax	$1,010.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner
Address	2397 E SMITH RD, BELLINGHAM, WA 98226-7556

Mortgage

Document Number	0000002231,
Date	Apr 27, 2026
Instrument	2026042231

Lender

Name	AMERICAN PACIFIC MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Whatcom County assessment roll, as of December 30, 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	$10,220.00	$1,372,377 Land $281,847 Building $1,090,530	$1,372,377 Land $281,847 Building $1,090,530

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	Direct burnable vegetation at the parcel

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Northwest Fiber Fiber	6,000 / 6,000
Radiate Holdings Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

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