2554 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 2554 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 3,466 sqft · built 2005
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Last Sale	$582,500 (Jun 2021)
Tax Bill	$6,022 (2025)
Deeds & Mortgages	Nov 2023 Mortgage Jun 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`390430-083140-0000`

Property Details

APN / Parcel Number

Primary APN	`390430-083140-0000`
Alternative APNs	`107839` `581422` `63865`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	3,466 sqft Living Area
Gross Area	4,126 sqft
1st Floor Area	1,482 sqft
Basement Area	992 sqft
Finished Basement	992 sqft
Flooring	Carpet
Interior Walls	Finished/Painted

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Exterior Material	Combination
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	660 sqft
Parking Spaces	2 Parking Spaces
Deck Area	286 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Account Number	107839
Street Address	2554 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-7557
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	THAT PTN OF GOVT LOT 4-EXC E 15 ACRES THEREOF-EXC N 600 FT OF W 726 FT DAF- BEG AT SE COR OF SD TR-TH W 300 FT-TH N 300 FT-TH E 110 FT-TH N TO N LI OF GOVT LOT 4-EXC ANY PTN THAT MAY LIE IN N 600 FT OF W 726 FT OF GOVT LOT 4-TH E TO W LI OF E 15 ACRE
Legal Range	04
Legal Township	39
Legal Section	30
Legal Block	1
Legal Lot Number	4
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1010
Census Tract	10702

Owner

Source: Whatcom County records, as of April 2, 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	2 Individual Names on Record
Mailing Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Nov 8, 2023	Deed of Trust, Mortgage · Conventional Mortgage KEY BANK NA
Jun 16, 2021	Warranty Deed, Transfer CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA
Nov 19, 2018	Loan Modification, Mortgage · Conventional Mortgage BANNER BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 16, 2021 · Amount on Record
Deed Sale	Jun 16, 2021 · Amount on Record
Prior Sale	Jun 16, 2021 · Amount on Record
Deed Document Number	20212813
Record Updated	Oct 29, 2026

November 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557
Transaction Type	Mortgage
Record Updated	Nov 15, 2023
Title Company	E-CHICAGO TITLE, CHICAGO TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557

Mortgage

Document Number	0001100512
Date	Nov 8, 2023
Instrument	2023-1100512

Lender

Name	KEY BANK NA
Type	Bank
Address	CLEVELAND, OH 44114

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2053

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jun 16, 2021
Property Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557
Document Number	0000602813
Instrument Date	Jun 3, 2021
Instrument	2021-0602813
Transaction Type	Transfer
Record Updated	Nov 1, 2023
Title Company	CHICAGO TITLE COMPANY/WA, CHICAGO TITLE COMPANY OF WA

Transaction

Amount	Amount Recorded
Tax	$9,473.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557

November 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WHATCOM WA
Property Address	2554 E SMITH RD, BELLINGHAM, WA 98226-7557
Document Number	2181101986
Instrument Date	Nov 19, 2018
Transaction Type	Mortgage
Record Updated	Jan 4, 2019
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2554 E SMITH RD BELLINGHAM WA 982267557, BELLINGHAM, WA 98226-7557

Mortgage

Document Number	2181101986
Date	Nov 21, 2018
Instrument	1101986

Lender

Name	BANNER BK
Type	Bank
Address	BELLINGHAM, WA 98227

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$6,022.00 (+22.05%)	$792,740 (+11.85%) Land $281,847 Building $510,893	$792,740 (+11.85%) Land $281,847 Building $510,893
2022		$708,731 Land $327,275 Building $381,456	$708,731 Land $327,275 Building $381,456
2021	$4,934.00

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	1 in force
Nearby Flood Claims	17 (1983–2021)
Most Recent Claim	Nov 2021 · Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Nov 2021 · 9 claims Severe Storms & Flooding, Nov 1990 · 5 claims

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

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

Provider	Max Down / Up (Mbps)
Ziply Fiber Fiber	6,000 / 6,000
Astound Broadband Cable	1,500 / 50
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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