2575 Mackenzie Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 2575 Mackenzie Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 2,080 sqft · built 2015
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on File
Tax Bill	$7,259 (2026)
Deeds & Mortgages	Nov 2021 Line of Credit Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`380134-448097-0000`

Property Details

APN / Parcel Number

Primary APN	`380134-448097-0000`
Alternative APNs	`41568` `41944`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,080 sqft Living Area
Gross Area	2,488 sqft
1st Floor Area	856 sqft
Flooring	Carpet
Interior Walls	Finished/Painted
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2021
Architectural Style	Mobile Home
Exterior Material	Plywood
Foundation Type	Concrete
Roof Material	Composition Shingle
Lot Area	19,166 sqft (0.44 acres)
Lot Dimensions	27 ft deep x 40 ft wide
Garage Type	Attached
Garage Area	408 sqft
Parking Spaces	2 Parking Spaces
Deck Area	96 sqft
Patio Area	160 sqft
Storage Building	192 sqft

Utilities, Heating & Cooling

Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	41568
Street Address	2575 MACKENZIE RD
City	BELLINGHAM
State	WA
Zip	98226-9204
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RR3
Legal Description	GOOSEBERRY POINT LOTS 3-4 BLK 9-TOG WI UNDIV 2/200 INT IN RESERVE TRACTS A-C-D-F-SUBJ TO ESMT FOR WATER REC AF 755266 OVER LOT 3
Legal Range	01
Legal Township	38
Legal Section	34
Legal Subdivision	GOOSEBERRY POINT
Legal Tract	A thru C
Legal Block	9
Legal Lot Number	3-4
Jurisdiction	WHATCOM WA
Township / Civil Division	LUMMI RESERVATION
Census Block Group	1
Census Block	1051
Census Tract	940002

Owner

2575 Mackenzie Rd is owned and occupied by two individuals.

Source: Whatcom County records, as of October 16, 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 File
Mailing Address	2575 MACKENZIE RD, BELLINGHAM, WA 98226-9204
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 1, 2021	Deed of Trust, Mortgage · Line of Credit INDUSTRIAL CU
Oct 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage FELLOWSHIP HM LOANS

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2575 MACKENZIE RD, BELLINGHAM, WA 98226-9204
Transaction Type	Mortgage
Record Updated	Nov 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	20211100135
Date	Nov 1, 2021
Instrument	2021-1100135

Lender

Name	INDUSTRIAL CU
Type	Credit Union
Address	BELLINGHAM, WA 98227

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2575 MACKENZIE RD, BELLINGHAM, WA 98226-9204
Document Number	2201005695
Instrument Date	Oct 20, 2020
Transaction Type	Mortgage
Record Updated	Nov 6, 2020
Title Company	TITLE SERVICE AND LIAISON COMPANIES, SYNRGO INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2575 MACKENZIE RD BELLINGHAM WA 982269204, BELLINGHAM, WA 98226-9204

Mortgage

Document Number	2201005695
Date	Oct 30, 2020
Instrument	1005695

Lender

Name	FELLOWSHIP HM LOANS
Address	MELVILLE, NY 11747

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 29, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 2575 Mackenzie Rd was $7,259, up 4.2% from the year before.

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

Property Jurisdictions

Type	Name
State	Washington
County	Whatcom County
Unified School District	Ferndale School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,259.00 (+4.21%)
2025	$6,966.00	$794,185 Land $242,490 Building $551,695	$794,185 Land $242,490 Building $551,695
2022		$555,124 Land $169,500 Building $385,624	$555,124 Land $169,500 Building $385,624
2021	$4,534.00

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

Flood

FEMA maps place 2575 Mackenzie Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 45 policies
Community Rating System	Class 7 (15% premium discount)
Nearby Flood Policies	45 in force
Nearby Flood Claims	4 (2021–2022)
Claims Outside the SFHA	1 of 4
Most Recent Claim	Dec 2022 · tidal / storm surge
Claims by Event	Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Dec 2021 · 2 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

Wildfire risk around 2575 Mackenzie Rd is low, with less than 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 98% of the US · lower than 98.6% of Washington
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Pogozone powered by Neubeam Fixed Wireless	40 / 7
CenturyLink DSL	40 / 3

Cell Coverage

5G (outdoors only) and 4G LTE

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