2688 E Smith Rd, Bellingham, WA 98226 Property Records

Whatcom County property record for 2688 E Smith Rd, Bellingham, WA 98226

Property Summary

Property Type	Single Family Home
Lot Size	30.8 acres (1,341,648 sqft)
Owner	2 Individual Names on Record
Last Sale	$398,094 (Apr 2024)
Tax Bill	$1,169 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Aug 2025 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`390430-235168-0000`

Property Details

APN / Parcel Number

Primary APN	`390430-235168-0000`
Alternative APNs	`175609` `506962` `619722`

Exterior

Lot Area	1,341,648 sqft (30.8 acres)

Location & Zoning

Account Number	175609
Street Address	2688 E SMITH RD
City	BELLINGHAM
State	WA
Zip	98226-9510
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5A
Legal Description	E 1/2 E 1/2 SW-EXC W 165 FT OF S 791.5 FT DESC AF 1079732-EXC S 684.66 FT THEREOF-THAT PTN DAF-BEAP ON N-S SEC C/L WH IS 1826.9 FT N OF SE COR OF SD SW 1/4-TH E 20 RODS-TH S 11 RODS-TH W 20 RODS-TH N 11 RODS TO POB
Legal Range	04
Legal Township	39
Legal Section	30
Legal Block	1
Jurisdiction	WHATCOM WA
Township / Civil Division	FERNDALE
Census Block Group	1
Census Block	1010
Census Tract	10702

Owner

Source: Whatcom County records, as of September 25, 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	1035 RED TAIL LN, BELLINGHAM, WA 98226-7592
Owner Type	Individual
Vesting	Married Couple

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2021	Deed of Trust, Mortgage NDETAIL CAPITAL LLC
Aug 28, 2025	Intrafamily Transfer, Transfer · Construction Mortgage AGWEST FARM CREDIT FLCA
Apr 3, 2024	Warranty Deed, Transfer · Conventional Mortgage AGWEST FARM CREDIT FLCA
Jul 28, 2023	Warranty Deed, Transfer WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TTL CO OF WA LLC
Feb 7, 2020	Deed of Trust, Mortgage · Conventional Mortgage MIAO JIANG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2024 · Amount on Record
Deed Sale	Apr 3, 2024 · Amount on Record
Prior Sale	Jul 28, 2023 · Amount on Record
Deed Document Number	2024265
Last Transfer Date	Aug 28, 2025
Transfer Doc	0000002293
Record Updated	Oct 29, 2026

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	2688 E SMITH RD, BELLINGHAM, WA 98226-9510
Transaction Type	Mortgage
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401171
Date	Apr 7, 2021
Instrument	2021-0401171

Lender

Name	NDETAIL CAPITAL LLC
Type	Non-Lending Institution
Address	CORONA DEL MAR, CA 92625

Agreement

Amount	Amount Recorded

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WHATCOM WA
Recording Date	Aug 28, 2025
Property Address	2688 E SMITH RD, BELLINGHAM, WA 98226-9510
Document Number	0000802293
Instrument Date	Aug 28, 2025
Instrument	2025-0802293
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE COMPANY

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	1035 RED TAIL LN, BELLINGHAM, WA 98226-7592

Mortgage

Document Number	0000802294
Date	Aug 28, 2025
Instrument	2025-0802294

Lender

Name	AGWEST FARM CREDIT FLCA
Type	Bank
Address	SPOKANE, WA 99224

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Interest

Rate Type	Adjustable Rate
Rate	6.55%
Adjustable	Adjustable Rate Rider
Type Change Date	Sep 1, 2040
Change Frequency	Annually
Min Rate At Change	2.9%
Max Rate At Change	15.5%
Index	1-Year CMT
Max Rate	15.5%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Apr 3, 2024
Property Address	2688 E SMITH RD, BELLINGHAM, WA 98226-9510
Document Number	0000400265
Instrument Date	Mar 28, 2024
Instrument	2024-0400265
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	WHATCOM LAND TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$6,374.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1035 RED TAIL LN, BELLINGHAM, WA 98226-7592

Mortgage

Document Number	0000400266
Date	Apr 3, 2024
Instrument	2024-0400266

Lender

Name	AGWEST FARM CREDIT FLCA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Apr 1, 2044

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WHATCOM WA
Recording Date	Jul 28, 2023
Property Address	2688 E SMITH RD, BELLINGHAM, WA 98226-9510
Document Number	0000702151
Instrument Date	Jul 26, 2023
Instrument	2023-0702151
Transaction Type	Transfer
Record Updated	Mar 17, 2026
Title Company	WFG NATIONAL TITLE COMPANY/WA LLC, WFG NATL TTL CO OF WA LLC

Transaction

Amount	Amount Recorded
Tax	$37,732.10
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5435 SAND RD, BELLINGHAM, WA 98226-7564

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WHATCOM WA
Property Address	E SMITH RD, BELLINGHAM, WA 98226
Document Number	2200201146
Instrument Date	Feb 7, 2020
Transaction Type	Mortgage
Record Updated	Mar 4, 2020
Title Company	WHATCOM LAND TITLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2710 RIVER CLIFF RD BUNKERVILLE NV 89007, BUNKERVILLE, NV 89007

Mortgage

Document Number	2200201146
Date	Feb 11, 2020
Instrument	201146

Lender

Name	MIAO JIANG
Address	1016 57TH ST E # 100, SUMNER, WA 98390-1525

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	$1,169.00 (-47.39%)	$148,470 (-54.87%) Land $148,470	$148,470 (-54.87%) Land $148,470
2022		$329,003 Land $329,003	$329,003 Land $329,003
2021	$2,222.00

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

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

Provider	Max Down / Up (Mbps)
Astound Broadband Cable	1,500 / 50

Cell Coverage

5G (outdoors only) and 4G LTE

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