2405 Henry St, Bellingham, WA 98225 Property Records

Whatcom County property record for 2405 Henry St, Bellingham, WA 98225

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,625 sqft · built 1906
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,606 (2025)
Deeds & Mortgages	Jul 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`93371`

Property Details

APN / Parcel Number

Primary APN	`93371`
Alternative APNs	`380224 308053 0000` `51293`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	1,625 sqft Living Area
1st Floor Area	1,049 sqft
2nd Floor Area	576 sqft
Basement Area	366 sqft
Unfinished Basement	366 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1906
Architectural Style	Split Level
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	4,792 sqft (0.11 acres)
Garage Type	Detached
Garage Area	240 sqft
Porch	Porch
Porch Area	128 sqft
Storage Building	240 sqft

Utilities, Heating & Cooling

Heating System	Forced Air

Location & Zoning

Account Number	93371
Street Address	2405 HENRY ST
City	BELLINGHAM
State	WA
Zip	98225-2210
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RS5.0
Legal Description	SUPPLEMENTAL MAP OF WHATCOM LOT 2 BLK 317
Legal Range	02
Legal Township	38
Legal Section	24
Legal Subdivision	SUPPLEMENTAL MAP OF WHATCOM
Legal Block	317
Legal Lot Number	2
Jurisdiction	WHATCOM WA
Township / Civil Division	BELLINGHAM
Census Block Group	1
Census Block	1031
Census Tract	402

Historic Designation

Source: NPS National Register of Historic Places, as of August 1, 2026

Historic District	Within the Eldridge Avenue Historic District listed 1979 · 684 contributing resources · NRIS 79002566

Federal listing alone does not restrict alterations; local historic district rules, which this data does not cover, may apply.

Owner

2405 Henry St is owned and occupied by two individuals who acquired it in September 2002.

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

Owner of Record	2 Individual Names on File
Mailing Address	2405 HENRY ST, BELLINGHAM, WA 98225-2210
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 23, 2002
Deed Sale	Sep 23, 2002
Deed Document Number	2020903356
Record Updated	Jun 8, 2026

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2405 HENRY ST, BELLINGHAM, WA 98225-2210
Document Number	2170703417
Instrument Date	Jul 24, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 HENRY ST BELLINGHAM WA 982252210, BELLINGHAM, WA 98225-2210

Mortgage

Document Number	2170703417
Date	Jul 28, 2017
Instrument	703417

Lender

Name	WHATCOM EDUCATIONAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227-9750

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jul 27, 2037

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2405 Henry St was $5,606 with a senior citizen's exemption.

Source: Whatcom County assessment roll, as of May 31, 2025

Property Jurisdictions

Type	Name
State	Washington
Municipality	Bellingham City
County	Whatcom County
Unified School District	Bellingham School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,606.00 Senior Citizen's exemption	$685,559 Land $277,824 Building $407,735	$688,599 Land $279,056 Building $409,543
2022		$591,000 Land $239,504 Building $351,496	$591,000 Land $239,504 Building $351,496
2021	$3,885.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2405 Henry St 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
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

The area around 2405 Henry St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	3,000 / 3,000
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Astound Broadband.

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