Whatcom County property record for 2777 E Smith Rd, Bellingham, WA 98226
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,838 sqft · built 1971 |
| Lot Size | 2.38 acres (103,673 sqft) |
| Owner | 2 Owner Names on File |
| Last Sale | $106,240 (Apr 1999) |
| Tax Bill | $4,295 (2025) |
| Deeds & Mortgages | Jan 2021 Mortgage May 2017 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 23460 |
| Primary APN | 23460 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,838 sqft Living Area |
| 1st Floor Area | 1,838 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1971 |
|---|---|
| Architectural Style | Other |
| Exterior Material | Combination |
| Foundation Type | Concrete |
| Roof Material | Composition Shingle |
| Lot Area | 103,673 sqft (2.38 acres) |
| Garage Type | Attached |
| Garage Area | 600 sqft |
| Porch | Porch |
| Porch Area | 42 sqft |
| Patio Area | 260 sqft |
| Heating System | Baseboard |
|---|
| Account Number | 23460 |
|---|---|
| Street Address | 2777 E SMITH RD |
| City | BELLINGHAM |
| State | WA |
| Zip | 98226-9575 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R5A |
| Legal Description | TR IN NE 1/4 DAF-BEAP NLY LI 870 FT ON A BEARING OF E FR N 1/4 COR-TH S 00 DEG 24'00\ E 413 FT-TH E 270 FT-TH N 00 DEG 24'00\ |
| Legal Range | 04 |
| Legal Township | 39 |
| Legal Section | 31 |
| Jurisdiction | WHATCOM WA |
| Township / Civil Division | BELLINGHAM |
| Census Block Group | 2 |
| Census Block | 2000 |
| Census Tract | 101 |
Source: Whatcom County records · APN 23460
Assessment roll updated May 31, 2025 · Last verified March 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Owner Names on File |
|---|---|
| Mailing Address | 2777 E SMITH RD, BELLINGHAM, WA 98226-9575 |
| Occupancy | Owner Occupied |
| Date | Document |
|---|---|
| Jan 21, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UMPQUA BK |
| May 18, 2017 | Deed of Trust, Mortgage · Conventional with PMI UMPQUA BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Apr 14, 1999 · Amount on Record |
| Deed Sale | Apr 14, 1999 · Amount on Record |
| Deed Document Number | 1990401925 |
| Deed Book / Page | 39043 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2777 E SMITH RD, BELLINGHAM, WA 98226-9575 |
| Document Number | 2210104134 |
| Instrument Date | Jan 21, 2021 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 2777 E SMITH RD BELLINGHAM WA 982269575, BELLINGHAM, WA 98226-9575 |
| Document Number | 2210104134 |
|---|---|
| Date | Jan 27, 2021 |
| Instrument | 104134 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 26, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WHATCOM WA |
| Property Address | 2777 E SMITH RD, BELLINGHAM, WA 98226-9575 |
| Document Number | 2170502673 |
| Instrument Date | May 18, 2017 |
| Transaction Type | Mortgage |
| Record Updated | May 29, 2017 |
| Title Company | WHATCOM LAND TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 2777 E SMITH RD BELLINGHAM WA 982269575, BELLINGHAM, WA 98226-9575 |
| Document Number | 2170502673 |
|---|---|
| Date | May 23, 2017 |
| Instrument | 502673 |
| Name | UMPQUA BK |
|---|---|
| Type | Bank |
| Address | MOUNTLAKE TERRACE, WA 98043 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 22, 2047 |
Source: Whatcom County records · Assessment roll updated May 31, 2025 · Last verified March 2026
| Type | Name |
|---|---|
| State | Washington |
| County | Whatcom County |
| Unified School District | Mount Baker School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $4,295.00 (+39%) | $557,295 (+29.19%) Land $264,628 Building $292,667 | $557,295 (+29.19%) Land $264,628 Building $292,667 |
| 2022 | $431,383 Land $222,203 Building $209,180 | $431,383 Land $222,203 Building $209,180 | |
| 2021 | $3,090.00 |
Source: FEMA National Flood Hazard Layer as of May 26, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 6 (20% premium discount) |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 80% of the US · lower than 84% of Washington |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Northwest Fiber Fiber | 6,000 / 6,000 |
| Radiate Holdings Cable | 1,500 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 16 locations within half a mile of this property.
5G (outdoors only) and 4G LTE
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | MOUNT BAKER WATER ASSOCIATION private · serves 500 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Sep 2025 |
| Lead | Under 1 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 1 last 3 years |
Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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