246 E Laurel Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 246 E Laurel Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,006 sqft · built 1920
Lot Size	6.61 acres (287,932 sqft)
Owner	2 Individual Names on Record
Tax Bill	$6,935 (2025)
Deeds & Mortgages	May 2026 Line of Credit Oct 2021 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`390319-203403-0000`

Property Details

APN / Parcel Number

Primary APN	`390319-203403-0000`
Alternative APNs	`3903191943540000` `103271` `562667` `25929`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	2,006 sqft Living Area
Gross Area	2,510 sqft
1st Floor Area	1,190 sqft
Basement Area	300 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 1920
Effective Year Built	Effective 2019
Architectural Style	Multi-Level
Exterior Material	Combination
Roof Material	Composition Shingle
Lot Area	287,932 sqft (6.61 acres)
Porch	Covered Concrete/Masonry Porch
Porch Area	240 sqft
Patio Area	2,030 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	103271
Street Address	246 E LAUREL RD
City	BELLINGHAM
State	WA
Zip	98226-7432
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	THAT PTN OF E 1/2 SE NW DAF-BEG AT NW COR OF E 1/2-TH S 01 DEG 3015 W ALG W LI OF E 1/2 642.34 FT-TH DEPARTING FR SD W LI N 74 DEG 4157 E 525.19 FT TO W LI OF E 158 FT OF E 1/2-TH N 01 DEG 3338 E ALG SD W LI 502.74 FT TO N LI OFE 1/2-TH N 89 DEG 5323
Legal Range	03
Legal Township	39
Legal Section	19
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	2
Census Block	2007
Census Tract	10701

Owner

Source: Whatcom County records, as of May 27, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 30973, BELLINGHAM, WA 98228-2973
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Deed of Trust, Mortgage · Line of Credit WHATCOM EDUCATIONAL CREDIT UNION
Oct 29, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Aug 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage GUILD MTG
Jul 8, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 1, 2006
Deed Sale	Aug 1, 2006
Prior Sale	Jul 31, 2006 · Amount on Record
Deed Document Number	2006800072
Last Transfer Date	Oct 23, 2021
Transfer Doc	0000004678
Record Updated	Oct 29, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Recording Date	May 18, 2026
Property Address	246 E LAUREL RD, BELLINGHAM, WA 98226-7432
Document Number	0000001410
Instrument Date	May 12, 2026
Instrument	20261410
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Sole Owner, 167
Address	246 E LAUREL RD, BELLINGHAM, WA 98226-7432
Investor	Possibly a Property Investor

Mortgage

Document Number	0000001410,
Date	May 18, 2026
Instrument	20261410

Lender

Name	WHATCOM EDUCATIONAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.3%
Max Rate	-1%

October 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Oct 29, 2021
Property Address	246 E LAUREL RD, BELLINGHAM, WA 98226-7432
Document Number	0001004678
Instrument Date	Oct 26, 2021
Instrument	2021-1004678
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	WHATCOM LAND TITLE

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
Address	346 E LAUREL RD, BELLINGHAM, WA 98226-9773

Mortgage

Document Number	0001004679
Date	Oct 29, 2021
Instrument	2021-1004679

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2051

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	246 E LAUREL RD, BELLINGHAM, WA 98226-7432
Document Number	2190803751
Instrument Date	Aug 26, 2019
Transaction Type	Mortgage
Record Updated	Sep 11, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Separate Estate/Property
Address	246 E LAUREL RD BELLINGHAM WA 982267432, BELLINGHAM, WA 98226-7432

Mortgage

Document Number	2190803751
Date	Aug 29, 2019
Instrument	803751

Lender

Name	GUILD MTG
Type	Mortgage Company
Address	SAN DIEGO, CA 92111

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 28, 2049

July 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 8, 2019
Property Address	246 E LAUREL RD, BELLINGHAM, WA 98226-7432
Document Number	2190700685
Instrument Date	Jul 5, 2019
Instrument	700685
Transaction Type	Transfer
Record Updated	Jul 17, 2019
Title Company	NOT AVAILABLE

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	PO BOX 30973 BELLINGHAM WA 982282973, BELLINGHAM, WA 98228-2973

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	Meridian School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,935.00 (+46.52%)	$813,829 (+33.01%) Land $426,681 Building $387,148	$813,829 (+33.01%) Land $426,681 Building $387,148
2022		$611,870 Land $369,449 Building $242,421	$611,870 Land $369,449 Building $242,421
2021	$4,733.00

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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

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

Provider	Max Down / Up (Mbps)
Xfinity Cable	1,200 / 35
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Ziply Fiber.

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